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Liability Protect

Provides any combination of Employers’ Liability, Public Liability & Products Liability insurance and is suitable for UK businesses of all sizes & across most sectors. 

Liability Protect allows you to combine the key covers of Employers’ Liability, Public Liability and Product Liability tailored to your business’ needs.

You'll also receive our complimentary services that help mitigate your risks.

Who is it for?

UK domiciled businesses, of sizes and sectors including multinationals.

See our Risk Appetite

Product Details

We’ve broadened coverage in several areas of Liability Protect based on our analysis of market liability wordings and feedback from our valued brokers and clients. We also go beyond Liability Insurance, offering a range of valuable additional covers and services.

Target Market

  • UK domiciled businesses
  • Businesses of all sizes
  • Businesses in all industrial sectors
  • Multinational companies

Reduce future claims

We offer a tailored advisory service from our expert consultants - from developing and reviewing safety programmes, employee and management training to best practice assessments all designed to reduce risk and prevent claims.

Liability Protect

Employers' Liability

Legal Costs in addition to limit of indemnity

Criminal Legal Expenses £5m aggregate limit in addition to limit of indemnity

TUPE given as standard

Wide definition of employee

Medical and Vocational Rehabilitation at no extra premium cost

Health and Safety loss control

eLearning RoSPA accredited health and safety training

Serious Accident Response Service

Additionally:

Employment Related Accident Benefits (ERAB) included as standard when Employers' Liability purchased

Public/Products Liability

£5m aggregate legal costs in respect to Corporate Manslaughter in addition to the limit of indemnity

Wide cover as standard, including:

Legionella

Advertising liability

Blanket vendors liability

Member to member liability

Advice, design service and specification cover provided if resulting in injury or damage

Libel/slander/defamation

Products unknowingly sold to the US included

Beyond Liability Insurance

Product Recall

£50,000 limit for government recall, product defect or malicious product tampering (included if Products Liability purchased)

Environmental Clean Up Costs

£2,000,000 limit (included if Public Liability purchased)

Crisis Containment

Up to £150,000 for professional crisis communications expertise (included if Employers' Liability or Public/Products Liability purchased)

Cyber Liability

Defence Costs & Data Protection Fines in connection with a Regulatory Investigation; Cyber Legal Liability in respect of a Breach of Confidential Information or a Security Failure. (optional module)

What's Inside Liability Protect

What's inside will help you understand the cover and services included in a Liability Protect policy.

View the brochure

Claims First

See our Value Proposition for Liability Claims

Client Risk Solutions 

Liability Protect comes with a powerful range of client risk solutions to help our policyholder make their businesses safer, and prevent a claim from happening in the first place.

eLearning Health & Safety training system

Complimentary access to a staff Health and Safety eLearning system provides an end-to-end process for clients to ensure and to demonstrate health and safety compliance.

Click here to find out more and set up an e-Learning account.

Casualty Risk Consulting

Tailored advisory services from our expert casualty consultants throughout the UK. Includes developing and reviewing safety programmes, employee and management training to best practice assessments.

Accident and Disease workshops

The option to attend Accident and Disease workshops run by our in-house teams. Covering a range of topics, these workshops provide clients with greater insight into how workplace accident and diseases occur and how to manage cases and claims from notification through to settlement.

Related Documents

See Casualty documents

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AIG Sales Tools

Sales Tools for Brokers

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Winning with AIG

See our Risk Appetite

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Broker Resources

Discussing Liability Protect with your clients

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