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.
Our Liability Protect provides any combination of Employers’ Liability, Public Liability and Products Liability insurance tailored for your business’ needs. You’ll also receive our complimentary services that help mitigate your risks.
Who is it for?
UK domiciled businesses of all sizes and industrial sectors including multinationals.
See our Risk Appetite
Product Details
Broadened coverage in several areas of Liability Protect is based on our analysis of market liability wordings and feedback from brokers and clients. We also go beyond liability insurance, offering a range of valuable additional covers and services such as product recall, environmental clean-up costs, crisis containment and cyber liability.
In addition, we provide 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.
Target Market
- A wide underwriting appetite for companies with a strong risk management culture, demonstrated through their loss history.
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 million 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)
Affirmative Cyber
As a result of AIG’s commitment to the Prudential Regulation Authority’s (PRA) investigation into “silent cyber”, AIG policy wordings and endorsements have been updated to ensure that there is no doubt how our coverage would respond in respect of a cyber event; injecting clarity and providing peace of mind.
Affirmative cover is now provided in respect of physical Bodily Injury and tangible Property Damage arising out of, based upon or attributable to or in any way involving, directly or indirectly a cyber event.
In addition to this, there will be no doubt how your policy will respond in the event of a data breach which may lead to claims arising in respect of your legal liability in respect of the General Data Protection Regulation (GDPR) and the Data Protection Act 2018.
Why is this important?
- Affirmative cyber enables you to understand how your insurance policies will respond to a cyber event
- Affirmative cyber enables you to build insurance into your cyber risk management planning
- Affirmative cyber enables AIG to measure and understand the accumulation of our cyber risks and provide the right cover to support your business in this changing world.
Benefits
Risk Consulting
Our dedicated Casualty Risk Consulting unit is focused on the developing and delivering of a range of alternative programme solutions to meet our clients’ needs.
Tailored advisory services from our expert casualty consultants throughout the UK include developing and reviewing safety programmes, employee and management training, as well as best practice assessments.
- eLearning Health & Safety Training System
Access to a Health & Safety eLearning system for staff enables clients to demonstrate health and safety compliance.
Click here to find out more and set up an e-Learning account.
Multinational
Our London multinational team of around 65 dedicated specialists from over various countries has multilingual capabilities in over 20 languages and works is working closely with the underwriters to service multinational programs. In addition, Our global network of strong and well-established AIG local offices and top-tier global network partners means we can issue policies and service multinational clients across the globe.
Using our specialized global fronting capabilities in Multinational, Alternative Risk transfer and Captive solutions, we work with clients and brokers to produce bespoke multinational solutions. This allows our broker partners to respond to a wide range of multinational opportunities across all lines, sizes, sectors, and geographies worldwide.
Accident and Disease workshops
Attendance at Accident and Disease workshops which cover a range of topics run by our in-house teams. These provide clients with greater insight into how workplace accident and diseases occur and how to manage cases and claims from notification through to settlement.
