Public and Products Liability for Mid-Market

Our Public and Products Liability Insurance provides cover for damages and legal costs due as a result of claims relating to accidental death, personal injury (excluding employees) and third-party property damage or loss.

Our policy is designed for businesses with a turnover typically ranging between £5 million and £500 million.

We underwrite a broad range of organisational activities and by understanding risk management, we can offer sustainable premiums.

Product highlights

• Limits of indemnity typically £5 million and £10 million, with other limits available
• Worldwide cover (excluding products exported to USA/Canada)
• Cover for criminal defence costs related to the Health and Safety at Work etc. Act 1974 or the Health and Safety at Work (Northern Ireland) Order 1978, the Corporate Manslaughter and Corporate Homicide Act 2007 and the Food Safety Act 1990
• Indemnity for legal costs and expenses related to the Defective Premises Act 1972 and data protection legislation – up to a limit of £1 million
• Indemnity to director and employees included
• Includes court attendance costs of any director or partner (typically £250 limit per day) and any employee (typically £100 limit per day)
• Brand protection cover included

Further benefits

• Conventional and captive programmes available
• A dedicated underwriting team with experience of casualty insurance
• Programmes tailored to customer’s risk and management appetite
• Long-term agreements available for eligible customers
• Product recall extension available
• Environmental impairment liability with substantial indemnity limits