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 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 and Employers' 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.