General Liability

Public and Employee Liability insurance

Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a claim against you. Liability Insurance covers you against third-party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property.


A skilled Howden risk consultant can build all of your liabilities into one cost-effective policy that covers the third party risks you face. This can bring you more comprehensive cover, without paying more.  
 

What does Public Liability insurance cover? 

  • Bodily injury
  • Personal injury (such as through defamation or slander)
  • Property damage
  • Data loss
  • Legal defence


Slips, trips and mishaps

The most likely claims you’ll make through your Public Liability Insurance will result from accidents such as slips and falls. Statistically, nearly half (48%) of all liability claims stem from such accidents.*

But nearly 25% of annual global claims relate to defective products/work or services* making Public Liability Insurance a modern business essential for many. 

Keep your business safe

Engaging a broker who knows your industry and takes the time up front to truly understand your business can result in more comprehensive cover at a highly competitive price. 

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*Source: Allianz