This policy provides protection against third party claims arising from bodily injury, property damage and personal injury. Legal defence costs are also included.
Coverage is provided to protect an insured from liabilities arising from defects on the business premises, operations and products of the business.
Policies can be written to include worldwide territorial scope and jurisdiction.
Businesses have a duty of care to their employees, customers and the general public. And in today’s increasingly, litigious world, companies and other organizations are increasingly likely to find themselves held liable for accidents and events that cause injury to employees and third parties or damage to their property.
Our Combined Liability Policy is an excellent insurance product built the main advantage of which is the avoidance of gaps in the cover because of the uniformity of its definitions.
In today's economic and cultural climate people are becoming increasingly litigious giving rise to more claims. In addition the awards granted by court are increasing in size so companies whatever their size needs to protect their businesses from this threat. As they strive to maximize their insurance spend many large companies either have their own captive insurers or self insure a considerable part of their liability risks.
We offer a range of programs enabling companies to buy catastrophe cover for a variety of risks. Our general liability program can include public, products and employers. We can also tailor programs to meet a captive's specific requirements, with cover available as umbrella liability or reflecting single or multi-line liabilities, in single territories or multinational.
Pollution Legal Liability
It enables companies to protect against costs of clean-up, bodily injury and damage caused to other peoples' property, by providing a specific insurance policy packaged to allow the Insured to design a programme suitable for their pollution insurance needs. It can be used by property owners and occupiers and operators of industrial sites.
It covers losses due to damage caused by sudden, accidental or gradual pollution on or emanating from the insured site(s) (claims made): Legal defence costs / Named insured includes Directors and Officers / Site specific or portfolio / Changes in legislation / First party property restoration costs arising from a clean-up claim.
Contractors Pollution Liabilities
Contractors, whether undertaking remediation work or working on contaminated sites, are exposed to a wide variety of liabilities imposed by regulatory authorities or by the contractual requirements of individual customers. In most instances these risks will not be covered by their general liability policies. Additionally, gradual pollution conditions may only become evident some time after work is completed and contractors and property owners can find themselves liable many months or even years after the relevant contract is completed.
Our Contractors Pollution Liability product has been designed to protect contractors, site owners and developers, by covering them for cover cleanup cost, property damage and third party liabilities arising from pollution. Contractors and environmental consultants can purchase contract specific cover or blanket cover for all sites or operations being worked on as appropriate tailored for their specific needs. In addition property owners can purchase cover on behalf of contractors working on their site(s) safeguarding their own interests. Occurrence based policies are available to give ongoing cover for gradual pollution conditions after the contract has been completed.
