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There are three main types of
liability insurance you need to consider:
-
Public
Liability
Public liability
insurance protects you and your business against
the financial risk of being found liable to a
third party for death or injury, loss or damage
of property or ‘pure economic’ loss resulting
from your negligence.
-
Professional Indemnity
Professional
indemnity insurance protects you from legal
action taken for losses incurred as a result of
your advice. It provides indemnity cover if your
client suffers a loss - either material,
financial or physical - directly attributed to
negligent acts.
-
Product
Liability
If you sell,
supply or deliver goods, even in the form of
repair or service, you may need cover against
claims of goods causing injury or damage.
Product liability insurance covers damage or
injury caused to another business or person by
the failure of your product or the product you
are selling.
There are a
number of companies who offer competitive liability
insurance. Remember it is well worth
shopping around and comparing quotes, as liability
insurance is a highly competitive market.
