General Liability

Anything from an old doormat to a wobbly window pane to an erroneous web page can lead to a claim against you. Liability Insurance covers you against third-party claims for injury or damage to someone else’s property. It doesn't provide cover for damage to your own property.


A skilled Howden risk consultant can build all of your liabilities into one cost-effective policy that covers the third party risks you face. This can bring you more comprehensive cover, without paying more.  
 

What does Liability insurance cover? 
  • Bodily injury
  • Personal injury (such as through defamation or slander)
  • Property damage
  • Data loss
  • Legal defence

Slips, trips and mishaps

The most likely claims you’ll make through your Public and Employers' Liability Insurance will result from accidents such as slips and falls. Statistically, nearly half (48%) of all liability claims stem from such accidents.*

But nearly 25% of annual global claims relate to defective products/work or services* making Public Liability Insurance a modern business essential for many. 

Keep your business safe

Engaging a broker who knows your industry and takes the time up front to truly understand your business can result in more comprehensive cover at a highly competitive price. 

We're always here to help

Transfer your cyber risk before it's too late

Step 1: Your company

2. What is your annual revenue in USD?

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Why cyber insurance?

No matter how robust your IT security protocols are, they cannot prevent human error, and all it takes is for one person to make one mistake.

With businesses increasingly relying on technology to drive core objectives, the risk of losing money and data, or technology being denied or failing due to accidental or malicious interference has never been greater. Business leaders without a well-thought-out strategy around cyber protection are effectively gambling with all their funds to develop their business. Or depending on your cash reserves, your very survival.

*Source: Allianz