Liability Cover Insurance
What is liability insurance and who needs it?
Liability insurance protects you when someone sues you for causing injury, damage, or financial loss. In today’s world, everyone’s quick to go to court. If you:
- Own a business that serves customers
- Manufacture or sell products
- Provide professional services (doctor, engineer, lawyer)
- Have employees
Then liability insurance is your legal shield against expensive lawsuits.
What types of liability insurance are available?
Different risks need different shields:
Public liability
Your product causes harm to someone
Professional indemnity
A mistake in your service leads to financial loss
Employer's liability
Covers employee death, disability, or injury due to work-related accidents
Cyber liability
Protection against losses from data breaches or cyber-attacks
How do liability insurance claims work?
When someone makes a claim against you:
01
Inform us immediately
Don’t admit fault or negotiate directly
02
We’ll help with documentation
Just share what you receive
03
Insurer appoints lawyers
You get professional legal support
04
Investigation & negotiation
The insurer handles the process
05
Settlement or court defense
You’re protected either way