Liability Insurance
Coverage for third-party claims arising from your operations, products, or professional conduct. We structure liability programmes that address your actual exposure profile.
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Liability
Operations · Products · Professional
Liability exposure extends far beyond what most standard policies cover. From contractual indemnities to product recalls, from professional negligence to environmental contamination — we map your complete liability profile and ensure your coverage matches your actual risk.
Many businesses carry liability policies that have never been reviewed against their contractual obligations, operational footprint, or the specific claims scenarios they're most likely to face. A standard policy at market terms is not the same as a policy designed for your risk.
We analyse your actual liability exposure and structure programmes that respond to the scenarios most likely to produce a claim — not generic coverage that looks adequate until it's tested.
PRODUCTS
Public Liability Insurance
Coverage for third-party bodily injury and property damage from your business operations.
Whats Covered
Third-party injury or property damage, legal defence costs, premises liability, operations liability
Key Exclusions
Product liability, professional negligence, employee injury, contractual liability
Product Liability Insurance
Protection against claims arising from defective products causing bodily injury or property damage to third parties.
Whats Covered
Manufacturing defects, design defects, failure-to-warn claims, defence costs, settlement amounts
Key Exclusions
Recall costs, contractual penalties, intentional acts, known prior defects
Professional Indemnity Insurance
Coverage for claims of professional negligence, errors, or omissions in the services you provide to clients.
Whats Covered
Professional negligence, breach of duty, defence costs, civil damages, regulatory investigation
Key Exclusions
Criminal acts, fraud, prior known claims, deliberate breach of contract
Directors & Officers (D&O) Liability
Personal liability protection for directors and officers against claims alleging wrongful acts in their capacity as company leaders.
Whats Covered
Wrongful acts, breach of duty, regulatory investigation, securities claims, employment practices
Key Exclusions
Personal profit or advantage, fraudulent conduct, prior known claims, bodily injury
Errors & Omissions Insurance
Technology-focused professional indemnity covering software failures, system errors, and service delivery failures.
Whats Covered
Software defects, system failures, breach of contract, IP infringement, defence costs
Key Exclusions
Bodily injury, property damage, criminal acts, prior known issues
Cyber Liability Insurance
First and third-party coverage for cyber incidents including data breaches, ransomware, and regulatory defence.
Whats Covered
Data breach response, forensics, notification, business interruption, third-party claims, regulatory defence
Key Exclusions
Pre-existing breaches, war/terrorism cyber, infrastructure failure, voluntary disclosure
Product Recall Insurance
Coverage for costs associated with product recalls including notification, retrieval, and disposal.
Whats Covered
Notification costs, retrieval, disposal, replacement, business interruption, crisis management
Key Exclusions
Voluntary recalls, gradual deterioration, regulatory non-compliance, prior known issues
Environmental / Pollution Liability
Coverage for claims arising from pollution incidents including cleanup costs and third-party liability.
Whats Covered
Sudden pollution incidents, cleanup costs, third-party bodily injury, property damage, defence
Key Exclusions
Gradual pollution (unless extension), known contamination, fines, intentional discharge
Commercial General Liability (CGL)
Broad form liability coverage combining premises, operations, products, and completed operations in a single policy.
Whats Covered
Premises liability, products, completed operations, personal/advertising injury, defence costs
Key Exclusions
Professional services, automobile, employer liability, intentional acts, contractual liability
Liability Insurance
Frequently asked questions about liability coverage.
Public Liability covers claims from your operations and premises (e.g., a customer slipping on your floor). Product Liability covers claims from defects in products you manufacture or sell (e.g., a faulty component causing injury). Most businesses need both.
D&O limits should reflect company size, industry risk, regulatory exposure, and claim history. We benchmark against similar companies and review wording carefully — two policies at identical limits can respond very differently to the same claim.
PI is mandatory for certain regulated professions (doctors, lawyers, architects). For others, it's often required contractually by clients. Even without mandate, if you provide advice or services that clients rely on, PI protects against negligence claims.
Most standard liability policies exclude cyber risks. With the DPDP Act introducing data protection obligations, dedicated cyber coverage is increasingly essential. We structure cyber policies covering both first-party costs and third-party liability.
Recalls are triggered when a product poses a safety risk. Standard product liability doesn't cover recall costs — only the resulting injury claims. Recall insurance covers notification, retrieval, disposal, and business interruption costs.
Occurrence policies cover claims arising from incidents during the policy period, regardless of when the claim is made. Claims-made policies cover claims made during the policy period, regardless of when the incident occurred. PI and D&O are typically claims-made.
START THE CONVERSATION
Could one claim expose your balance sheet?
Tell us about your business and we'll help identify the liability exposures that deserve a closer look.
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