Stand Alone Liabilities

  • Public Liability – If required without other business assets insurance
  • Umbrella – Increased liability limits (Excess Layer Protection, differencing conditions and additional risks
  • Broad form – One liability policy incorporating Public Liability, Products Liability, Defective Workmanship, Inefficacy
  • Directors and Officers – protects personal liability of Directors and Officers following a loss caused by a breach of a fiduciary duty
  • Contractors Liability – specialist policy wording for the construction industry and all contractors
  • Inefficacy – failure of a product to perform as specified and or to fulfill its intended function leading to claims made against the insured
  • Products Recall – cost incurred in recalling a defective product (or product suspected of being defective)
  • Guarantee – Replacement of product which fails to perform its intended / specified function
  • Kidnap and Ransom costs resulting from kidnap and ransom demands including the costs of a negotiator
  • EU Liability – Liability cover required if supplying goods to the European Union
  • Pollution and Spillage Liabilities – cover for the clean-up costs, gradual pollution and environmental impact liability
  • Professional Indemnity – Insurance to cover the legal liability impact of the professional advice given to a client e.g. errors or omissions – design or other advise of a professional nature