What’s Included
Public Liability
Covers legal defense costs and damages if your business causes bodily injury or property damage to a member of the public.
Professional Indemnity
Protects service providers against claims of negligence, errors, omissions, or bad advice that cause financial loss to clients.
Fidelity Guarantee
Safeguards a business against financial losses caused by dishonest or fraudulent acts committed by its employees.
Workmen Compensation
Covers medical bills and lost wages for employees who suffer job-related injuries or illnesses while shielding you from lawsuits
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Frequently Asked Questions
We’ve never been sued. Why do we need Professional Indemnity?
It only takes one misunderstanding or unexpected error to trigger a massive legal claim. Even if a lawsuit is completely groundless, the cost of hiring lawyers to defend your business can be financially devastating. This policy steps in to pay your defense fees from day one.
Does this cover mistakes made by our remote contractors or external consultants?
It depends on how your business model is structured. We review your external agreements to ensure your liability framework covers your entire operating footprint, making sure your policy adapts seamlessly to protect your brand from third-party mistakes
What is Directors & Officers (D&O) insurance, and why is it separate from business liability?
Standard business liability protects your corporate entity. D&O insurance specifically protects the personal assets of your board members and executives if they are personally sued by shareholders, employees, or regulators for mismanagement or regulatory breaches.
How does Cyber Liability insurance protect us against a ransomware attack?
If your company systems are breached, Cyber Liability steps in to fund expert IT forensics to recover your data, covers legal fees and regulatory fines for data privacy losses, and manages public relations crisis costs to protect your corporate reputation.
If a client claims our product caused them physical harm, which policy responds?
This falls directly under a Products Liability framework. It covers your legal defense costs and any court-ordered financial settlements or compensation payouts if a product your business manufactured, altered, or distributed causes bodily injury or property damage.
Can a liability policy protect our business from employee discrimination or wrongful termination lawsuits?
Standard commercial liability policies do not cover internal employee disputes. To secure protection against these specific HR risks, we integrate an Employment Practices Liability (EPLI) extension into your overarching corporate protection strategy.