BUSINESS INSURANCE

Liability Insurance

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Liability Insurance Cover

Protect Your Business with Expert Liability Insurance from Grove & Dean, a trusted chartered insurance broker.

We provide tailored liability cover, including public, product, and employers’ liability insurance.

Our experts ensure your business has the right protection. If you need to make a claim, your dedicated account handler will guide you every step of the way.


Call us today at 01708 770 455 to secure your business’s future.

What is Public liability insurance?

Public Liability Insurance is essential for business owners, offering protection against third-party claims. Typically, payments are made to the third party who has suffered a loss, not to the policyholder facing the claim. When a claim is made against the insured, the insurer has the right to defend their client, with legal defence costs not affecting the policy limit.

This insurance covers liabilities arising from claims and lawsuits against a business. It safeguards the business against claims related to injuries inflicted on others and damage to property.

What are the Different Types of Liability Insurance?

  • Employers’ Liability Insurance: A mandatory cover for employers, protecting the business from liabilities arising from the death, injury or illness of an employee.

  • Product Liability Insurance: Designed for businesses that manufacture products for sale, it protects against lawsuits resulting from death or injury caused by their products.

  • Professional Indemnity Insurance: Offers businesses protection against claims of negligence.

  • Commercial Liability Insurance (also known as comprehensive general liability insurance): Covers lawsuits resulting from employee injuries and damage to public property, including injuries sustained by others due to employee actions.

Do I Need a Specialist Liability Policy?

  • Professional Indemnity Insurance:

    This policy covers lawsuits arising from the failure of professionals to provide the services expected of them. It is recommended for professionals who offer services for a fee, including lawyers, business owners, accountants, and engineers. Professional Indemnity Insurance usually includes cover to protect against legal expenses, judgements, and settlements caused by 'Errors & Omissions' in advice given to customers with coverage levels determined by the professional's risk exposure.

    Find out more about Professional Indemnity Insurance here.
  • Directors & Officers (D&O) Liability Insurance:

    Provides protection for directors and officers of large companies against legal costs and judgements arising from unlawful acts, incorrect investments, accidental disclosure of confidential information, gross negligence, and other significant errors.

    Find out more about Directors & Officers Liability Insurance here.

  • Cyber Liability Insurance

    Cyber Insurance protects your company from cyber threats, such as data breaches and the hacking of work computers.

    Find out more about Cyber Liability Insurance here.

     


How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.
How can we help you?
Fill in our form and a member of our insurance team will contact you to answer your enquiry.

We are Chartered Insurance Brokers

Underlining our commitment to the best professional standards