liability insurance

Liabilities

There are a wide range of liabilities available depending on your requirements and Liability is an area of insurance which is becoming more prominent in the world we live in today. This is a real area of growth and evolvution following the demands and requirements now being faced by corporates and businesses of all sizes.

General Liability

This covers liability for unexpected and unintended personal injury or property damage to another party arising in the course of the business.

Employers Liability

This covers an employer’s liability to pay compensation to an employee for a work related personal injury that is not covered by the ACC Acts.

Statutory Liability

This offers protection for fines and associated legal costs as a result of an unintentional breach of a number of Acts.

Employment Disputes

This covers an employer in the event a claim is made against them for wrongful dismissal or other possible disadvantages of employment. Provides compensation for sexual and racial harrassment or breaches of privacy under the Human Rights Act.

Professional Liability

This is becoming increasingly important and protects professionals and companies against a breach in their professional duty of care.

Directors & Officers Liability

Covering Directors & Officers against liability that may result whilst carrying out their operational duties.

Trustees Liability

Covering liability that may occur whilst carrying out duties as Trustee for a Trust.

Association Liability

Protection to an Association and it’s individuals against liability that may be incurred in the operation and activities of that Association.

Legal Defence

There are covers available both for private individuals/families and Organisations. This offers protection in the event of being faced with a criminal charge, serious traffic and civil actions. You must be reasonably intending to plead not guilty. As you will be aware the cost of representation is expensive and this can provide protection for costs incurred.

There are also a number of specialised liabilities such as:

  • Defamation
  • Malpractice liability
  • Punitive and exemplary damages
  • IT liability
  • Liability consequential loss

As you can see, this is a quite complex area of insurance and one that needs to be discussed fully to ensure that adequate protection is in place.

We would be only too happy to arrange an appointment to discuss any concerns you may have regarding liability.

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