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.