Public liability insurance (as general liability is known in the UK) provides cover for public injury and damage claims. It can also cover a range of other liability insurance products including employers’ liability and product liability.
If your business prides itself on delivering a high quality product or service, more often than not you'll have a long line of satisfied clients and customers who will come back for more. But what if something goes wrong? It could leave you facing a potential third-party claim. That's when having a suitable level of business liability insurance in place can be so important.
Gallagher has access to a range of general liability insurance coverage through our insurer panel, with some that include exclusive enhancements.
Get in touch today to discuss the commercial liability insurance options available for businesses, including:
- Public liability insurance
- Products liability insurance
- Employers’ liability insurance
What is general liability insurance?
As a business, you might be aware of commercial general liability insurance. Instead, our equivalent is called public liability insurance. And this form of company liability insurance can be such a key piece of protection to have in place – not least if your business operates in a high-risk sector.
In most cases, a liability insurance policy is designed to protect you from third-party claims. That means helping to ensure you aren't left to count the cost of a huge legal bill if something you do causes damage or injury to a client (or member of the public). At the same time, however, it's important your small business liability insurance is properly made to measure. And that's where Gallagher can help.
What are the different types of liability insurance?
In the UK, there are different types of business liability insurance providing specific levels of cover for a broad spectrum of industries, sectors and occupations. Commercial liability insurance can sometimes seem complex or confusing which is one example of where an insurance broker can be of value to your business. There are three primary liability insurance products that may be relevant to your specific needs.