Liability Insurance
Safeguard your business against legal claims, third-party injury, and liability exposures that can disrupt operations.
Product Overview
General liability insurance is commonly described by insurers as protection for businesses when they are held legally responsible for bodily injury, property damage, or personal and advertising injury involving third parties.
It is often used as a core business cover because claims and legal defense costs can arise from ordinary day-to-day operations, customer interactions, and incidents at business premises.
Coverage Levels
Bodily injury liability
Helps cover claims where another person is injured and the business is alleged to be legally responsible.
Property damage liability
May respond when a business causes damage to someone else's property during operations or service delivery.
Legal defense and related costs
Insurer materials commonly note that covered liability policies can also help with legal defense expenses, settlements, or judgments, subject to policy terms and limits.
Benefits
Protection against third-party claims
Helps the business handle claims that might otherwise create major financial strain.
Support for defense costs
Can help absorb the cost of investigating and defending covered claims.
Business credibility
Shows clients, landlords, and counterparties that the business has a basic layer of risk protection in place.