Liability Insurance
Liability insurance responds when your business is held responsible for harm to someone else — a third party’s injury, a professional error, a defective product, or a decision made by a director.
Four kinds of exposure, one category of cover
General Liability, Professional Liability (Errors & Omissions), Product Liability, and Directors & Officers (D&O) cover each respond to a different source of business risk — most businesses only need some of the four, not all.
Whether legal defence costs sit inside or on top of the sum insured varies by policy.
Why liability cover matters
Harm to others is a real business exposure
General liability responds when business operations cause third-party bodily injury or property damage.
Professional advice carries its own risk
Errors & Omissions cover responds to claims arising from professional advice or services you provide.
Directors carry personal exposure too
D&O cover protects directors and officers for decisions made in their governance role.
What liability insurance covers
General Liability
Third-party bodily injury or property damage from operations.
Professional Liability (E&O)
Claims arising from professional advice or services provided.
Product Liability
Claims arising from a defective product placed in the market.
Directors & Officers (D&O)
Protects directors and officers for governance decisions.
Built for businesses exposed to third-party claims
Professional Service Firms
Cover for claims arising from advice or services given.
Manufacturers & Product Businesses
Cover for claims arising from a defective product.
Company Directors
Personal protection for decisions made in a governance role.
Supported from comparison through claims
Our Digital Insurance Journey is how we work every business insurance enquiry, start to finish.
Enquire
Tell us where your business is exposed to third-party claims.
Learn & Compare
We explain which of the four liability types actually apply to you, then compare relevant plans across insurers.
Apply & Issue
Your advisor handles the paperwork, liaises with the insurer, and checks the policy before you rely on it.
Renewals & Claims
We stay reachable for renewals, and our Claims Support desk helps if a claim is made against you.
Frequently asked questions
Cover that often goes with liability insurance
Looking for the right liability cover?
Talk to an advisor about how Liability Insurance fits your business — we compare across insurers rather than selling a single product.