Liability Insurance
Explore the purpose, policy options and common coverage areas within this insurance category.
15 solutions in this categoryStart with the role this cover can play.
Policy names can be technical. The useful question is what risk the cover is intended to address, what information insurers may need and which terms matter for your situation.
What this category is for
This category brings together insurance products designed around a related group of risks and protection needs.
Explore the policy library belowWhat to compare
Scope, exclusions, limits, deductibles, waiting periods, warranties and insurer-specific wording can materially change the protection.
What to prepare
The right information depends on the policy, but accurate exposure details usually help produce a more relevant insurance conversation.
15 options within Liability Insurance.
Use these pages to understand the purpose of each policy and the areas worth discussing with an advisor. Final coverage depends on policy wording, schedule, limits, exclusions, terms and underwriting.
Clinical Trials Liability Insurance
Clinical Trials Liability (CTL) Insurance protects the sponsor, investigator, and trial site from legal liability arising out of injuries or harm caused to participants during the conduct of clinical trials.
Understand this policyCommercial General Liability (CGL)
A comprehensive liability policy that protects businesses from third-party claims of bodily injury, property damage, and personal injury arising out of business operations.
Understand this policyCrime Insurance (Commercial Crime Policy)
Provides coverage for financial losses resulting from acts of dishonesty, theft, fraud, or embezzlement by employees or third parties.
Understand this policyCyber Liability Insurance
Protects organisations from financial losses arising from cyber-attacks, data breaches, and regulatory fines.
Understand this policyDirectors & Officers (D&O) Liability Insurance
Covers directors and officers of a company against personal liability arising from wrongful acts in their managerial capacity.
Understand this policyErrors & Omissions (E&O) Insurance
A form of professional indemnity designed for service providers and consultants, especially in IT, media, finance, and marketing.
Understand this policyFidelity Guarantee Insurance (Employee Dishonesty Insurance)
Fidelity Guarantee Insurance protects an employer from direct financial loss caused by dishonest acts of employees such as theft, embezzlement, or forgery.
Understand this policyKidnap & Ransom (K&R) Insurance
K&R Insurance provides financial protection and crisis response support to individuals and organizations facing threats like kidnapping, extortion, or illegal detention, especially in high-risk zones.
Understand this policyPOSI (Public Offering of Securities Insurance)
A specialised D&O cover taken when a company is going for IPO, FPO, rights issue, or private placement — to cover liabilities arising from misstatements in offering documents.
Understand this policyProduct Liability Insurance (PL)
This policy covers legal liability arising out of defects in products that cause bodily injury or property damage to third parties.
Understand this policyProduct Recall Insurance
Product Recall Insurance covers the costs incurred by a company when it must recall a defective or dangerous product from the market due to the risk it poses to consumers, regulatory action, or reputational harm.
Understand this policyProfessional Indemnity (PI) Insurance
Covers professionals against claims arising from errors, omissions, or negligence in the discharge of their professional duties.
Understand this policyPublic Liability (Industrial Risk) Insurance
A broader public liability cover designed for industrial and large commercial establishments, beyond the statutory Public Liability Act policy.
Understand this policyPublic Liability Act Insurance (1981)
A mandatory insurance under the Public Liability Insurance Act, 1991, for companies handling hazardous substances to cover third-party injury or property damage.
Understand this policyWarranties and Indemnities (W&I) Insurance
W&I insurance covers losses arising from breaches of warranties or representations in mergers and acquisitions (M&A) transactions.
Understand this policyDo not compare price without comparing protection.
The cheapest quotation is not automatically the most appropriate cover. Important differences can sit in wording, sub-limits, deductibles, exclusions, warranties and claim conditions.
Scope
What events, assets, people or liabilities are actually insured?
Limits
Where do sub-limits, deductibles or waiting periods change the usable protection?
Conditions
What warranties, declarations or information requirements affect cover?
Service
How will servicing, endorsements and claims coordination work after purchase?
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