Liability Group

Protection against claims from the public.

✔ Third-Party Coverage: Provides protection against legal liability for accidental injury or property damage to third parties.
✔ Legal Defense Costs: Covers legal expenses incurred in defending claims.
✔ Bodily Injury & Death Compensation: Pays for medical costs, compensation, or legal awards due to third-party injury or fatality.
✔ Property Damage Protection: Covers costs associated with accidental loss or damage to third-party property.
✔ Worldwide Coverage (Optional): Can be extended to provide global protection.
✔ Vicarious Liability Coverage: Includes liability for employees acting within the scope of their duties.
✔ Tailored Limits: Flexible coverage limits based on business needs.

Benefits:

✅ Financial Security: Protects against unexpected financial losses from legal claims.
✅ Business Continuity: Prevents business disruption due to lawsuits and compensation claims.
✅ Legal Support: Access to expert legal advisory services.
✅ Enhanced Credibility: Builds trust with clients and partners by ensuring responsible business operations.

Covers errors and omissions in professional services.

✔ Coverage for Professional Negligence – Protects against claims arising from errors, omissions, or negligence in professional services.
✔ Legal Defense Costs – Covers legal fees and court expenses in defending claims.
✔ Compensation for Financial Losses – Pays for settlements or damages awarded to claimants.
✔ Breach of Confidentiality Protection – Covers liabilities arising from accidental disclosure of sensitive information.
✔ Defamation & Libel Coverage – Protection against claims of slander or false statements.
✔ Flexible Coverage Limits – Tailored to different professional needs.

Benefits:

✅ Safeguards Business Reputation – Protects professionals from lawsuits that can harm their credibility.
✅ Ensures Financial Stability – Prevents out-of-pocket legal and settlement expenses.
✅ Legal Support & Advisory Services – Provides expert legal assistance.
✅ Mandatory for Some Professions – Meets regulatory requirements for lawyers, consultants, medical practitioners, and other professionals.

Product Liability Insurance protects businesses from legal and financial consequences arising from claims that their products have caused injury, illness, or property damage.

✔ Coverage for Defective Products – Protects against claims arising from product defects causing injury or property damage.
✔ Legal Defense & Settlement Costs – Covers legal fees, court expenses, and compensation payouts.
✔ Third-Party Injury & Damage Protection – Covers bodily harm or property loss caused by the insured’s product.
✔ Extended Coverage for Manufacturing & Retail – Suitable for manufacturers, wholesalers, distributors, and retailers.
✔ Global Coverage Options – Can extend to international markets, depending on policy terms.

Benefits:

✅ Protects Against Costly Lawsuits – Shields businesses from financial losses due to defective products.
✅ Enhances Brand Reputation – Demonstrates reliability and responsibility in consumer safety.
✅ Ensures Business Continuity – Prevents unexpected liabilities from disrupting operations.
✅ Regulatory Compliance – Helps meet legal requirements in various industries.

Protects company executives from legal risks.

✅ Legal Protection – Covers defense costs for lawsuits filed against directors and officers.
✅ Wrongful Act Coverage – Protects against claims of mismanagement, negligence, breach of duty, or regulatory violations.
✅ Employment Practices Liability – Covers claims related to wrongful termination, discrimination, or harassment.
✅ Regulatory & Investigation Coverage – Provides financial support for legal expenses arising from regulatory investigations.
✅ Worldwide Coverage – Protection against claims made globally, subject to policy terms.
✅ Entity Coverage Extension – Can extend to cover the organization in certain cases.

Benefits:

🔹 Safeguards Personal Assets – Protects directors’ and officers’ personal wealth from lawsuits.
🔹 Boosts Executive Confidence – Encourages leadership decision-making without fear of personal liability.
🔹 Attracts Top Talent – Provides assurance to executives joining the company.
🔹 Financial Security – Covers costly settlements, fines, and legal fees.
🔹 Protects Corporate Reputation – Helps mitigate reputational damage from lawsuits.

Covers goods stored in custody.

✅ Third-Party Property Coverage – Protects against loss, damage, or theft of goods stored in the insured’s custody.
✅ Legal Liability Protection – Covers claims arising from negligence, errors, or omissions in warehousing operations.
✅ Fire & Perils Cover – Provides protection against fire, flood, explosion, and other specified risks.
✅ Loading & Unloading Coverage – Extends to damages occurring during handling, storage, and transit within the warehouse.
✅ Employee Negligence Coverage – Protects against losses caused by warehouse staff’s errors.
✅ Worldwide Coverage Options – Can be extended to cover international warehousing operations.

Benefits:

🔹 Protects Against Costly Lawsuits – Covers legal defense and compensation claims.
🔹 Financial Security – Reduces financial exposure from accidental damage or theft of stored goods.
🔹 Ensures Business Continuity – Helps avoid operational disruptions due to liability claims.
🔹 Builds Client Confidence – Provides assurance to customers entrusting goods for storage.