Business
Liability Insurance
Protection against legal liability to third parties — customers, the public, employees and regulators — including defence costs and awards made against your business.
What this policy covers
- Public liability for third-party injury and property damage
- Products liability
- Employers' liability at common law
- Directors' and officers' liability
- Legal defence costs
Why arrange it through Hace
- Limits set against your real exposure and contracts
- Cover that satisfies tender and landlord requirements
- Coordinated legal and insurer response
- Combined liability packages
Optional extensions
- • Product recall
- • Pollution liability
- • Contractual liability extension
- • Employment practices liability
Common exclusions
- • Losses that happened before the policy start date
- • Deliberate or fraudulent acts
- • War, invasion and nuclear risks (unless specially arranged)
- • Wear, tear and gradual deterioration
- • Fines and penalties
- • Liability assumed under contract unless agreed
- • Claims arising before the retroactive date
Frequently asked
What limit of indemnity should we take?+
It depends on your activities, contracts and customer footfall. Many tenders and leases state a minimum — we check those requirements and advise accordingly.
Ready to arrange liability insurance?
Tell us what you need to protect and we will compare the market and come back with clear options.