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Liability

Employers’ Liability A statutory requirement if you employ people. The minimum limit of indemnity any one incident is £5,000,000. Standard policies tend to give £10,000,000, with no limit for each period of insurance.
Public and Products Liability We suggest a minimum limit of indemnity of £5,000,000 any one incident. For Public Liability claims there is no limit in each period of insurance whereas the Products Liability limit is the total in any one period.
Financial Loss Liability Deals with legal liabilities which might arise in your business activities where there is no damage to other persons property nor any personal injury.
Products Guarantee and Product Recall A development of products liability to protect against costs of replacing products that fail to perform, financial losses flowing from such failure, costs of recall and destruction of products.
Professional Indemnity Gives protection for legal liabilities where design and advice are for a fee.
Directors and Officers Liability Personal protection for Directors and Officers against prosecutions liability and legal actions arising from failures in their duties under Company Acts and Government Legislation.
Cyber Liability Protection against legal action and damages that may arise from passing on virus’s, breaching copyright, libel and slander in respect of the internet and email.
Hired in Plant Protection for legal liabilities for loss or damage stemming from contracts involved with hiring in equipment.