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Financial Lines and Casualty 

General Liability

Running a business always comes with risk. What happens if a customer or member of the public is injured by you at your premises or in the course of your business? If you accidently damage someone’s property, or your products hurt someone you could be legally liable to pay compensation, and this is why it is essential to have a General Liability policy. This policy is available alongside our Professional Indemnity products.

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Even if not liable, defending claims can be costly and disruptive. This policy helps businesses cover those costs.

Coverage

Designed for modern day exposures

This policy is specifically tailored to meet the contractual requirements you face in today's business environment.

Defense costs in addition to limit

Costs in addition ensures that defense costs are covered separately from the policy limit, preserving the full coverage amount for settlements or judgments.

Unlimited reinstatements

Multiple claims? The full policy limit is available for each claim, even if you've already had a claim that year.

NIL excess on defence costs

Uncapped defence costs with no excess payable on a successful defence (insureds only pay the excess if liable).

Key aspects

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Financial protection

Covers legal costs, settlements, and damages from third-party claims, reducing financial strain on your business.

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Reputation management

Helps protect your business’s reputation by covering the costs of defending against unfounded claims and lawsuits.

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Peace of mind

Provides confidence in knowing your business is protected from common risks, allowing you to focus on operations without the worry of potential legal challenges.

  • Worldwide excluding USA/Canada

This summary is intended for informational purposes only and is subject to meeting certain underwriting criteria and acceptance, specific terms, conditions, and exclusions which are specified in the Policy Wording. Please consult your policy schedule for details of coverage that has been obtained. This summary does not form part of your policy documents. 

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Frequently Asked Questions

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General Liability 

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