Our property and casualty policy addresses the core risks faced by any business including damage to or loss of property, consequential financial loss as a result of business downtime, and costs associated with injury or property damage claims made by a third party. Designed with all companies in mind, we have built a simple and clear policy, offering a breadth of cover for a business’s core property and general liability needs. Some of the key features include:
BODILY INJURY AND PROPERTY DAMAGE LIABILITY
Bodily injury and property damage liability is vital for any organisation or professional in their dealings with clients and members of the public, and valuable for those who even just own their own premises. This insuring clause in our policy covers compensation claims made by third parties and associated legal costs.
If your operations lead to a sudden and accidental pollution incident that injures or causes property damage to a third party, our policy will cover the legal costs and damages you may be required to pay.
We recognise that if you manufacture, import or distribute products, you are uniquely exposed to litigation. That’s why we agree to pay all costs that you become legally obliged to pay, including claimants’ costs and expenses, should there be a claim of bodily injury or property damage caused by one of your products.
PERSONAL AND ADVERTISING LIABILITY
A growing exposure with the use of social media and other forms of modern advertising, our policy includes cover for defamatory content, violating a person’s rights of privacy, and infringement of copyright in advertising material.
A crucial policy extension for anyone employing staff to assist with their business operations, our employer’s liability cover protects against the cost of claims arising from employee injury or occupational illness as a result of their work for you.
The day-to-day running of most companies relies heavily on business premises being accessible, free from damage, and fit-for-purpose. That’s why we offer property damage cover under this policy, which reimburses you for the repair or rebuild of business premises as a result of damage caused during the policy period.
Likewise, most business operations hinge on being able to access and utilise their property’s contents – from computers to lab equipment to machinery. Our policy can cover the reimbursement of the costs incurred to repair or replace items that have been lost or damaged during the period of the policy.
We understand that business downtime can result in loss of income and extra expenses incurred, which can be devastating to your business. We therefore offer cover to compensate for loss of income and extra expenses as a result of property loss or damage.