Liability Protect

Broader coverage and new added value services

Complimentary web-based risk management tool

For Liability Protect customers

There are good reasons to consider Liability Protect from AIG

What is Liability Protect?

Liability Protect allows you to combine the key covers of Employers’ Liability, Public Liability and Product Liability insurance tailored to your business’ needs. You'll also receive our complimentary services that help mitigate your risks.

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.

Better cover than ever

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.

Online training for easy access

Our Product Liability Service provides a powerful web-based risk management tool for companies involved in manufacturing or distributing products. Free of charge to AIG Product Liability policy holders this has been designed and built to enhance our customers risk awareness and promote good risk management.

Who is it for?

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

What is covered?

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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)

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.

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eLearning Health and 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.

Product Liability Service

Complimentary access to a powerful web-based risk management tool for companies involved in manufacturing or distributing products.

Click here to find out more.