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Liability insurance

 

There are a few different types of liability insurance which a business could need or benefit from - your insurance broker can help you decide what protection is right for you.

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Employers' liability

Employers are responsible for protecting the health and safety of their employees during working hours. So for the vast majority of businesses with employees it is also a legal requirement to take out employers' liability insurance. Employers’ liability insurance provides cover when a member of staff becomes sick or injured because of work.

 

Public liability

Although it’s not a legal requirement to have public liability insurance, it can offer protection if something unfortunate happens and a customer or other member of the public makes a claim for personal injury or property damage against your business.

 
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Product liability

If members of the public are injured or their property is damaged as a result of an accident caused by your products you may benefit from product liability insurance. It offers protection against any personal injury or property damage claims you may face. 
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Professional indemnity

There’s a lot to consider when running your own business, especially the responsibility of getting things right. Each time you or your employees give advice or offer a service for a fee, you’re potentially vulnerable. Professional indemnity insurance can offer protection if there’s an accusation made against your business, such as copyright infringement, breach of confidentiality or incorrect advice.

 
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Directors and Officers liability

Directors and Officers Liability insurance can offer protection for a person accused of wrongful acts in their role as a director or officer in a business. It may pay for legal defence and cover compensation for anything they did unintentionally which caused financial losses or other damage.

 

Our range of products are only available through insurance brokers. 

What else might you want insurance for?

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Buildings & contents

There are many scenarios that can lead to buildings and contents belonging to a business getting damaged, lost or stolen. Insurance can help get things back to normal by paying for replacements and repair works.
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Business interruption
Sometimes the unexpected happens and it can have a major impact on businesses. Whilst buildings and contents insurance normally takes care of physical damage and losses, business interruption insurance helps with financial losses, such as wage payments and missed income, when the business isn’t able to operate as normal after physical damage or loss.
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Business vehicles
Business vehicles insurance is specially designed for business cars and vans and gives protection in case they're involved in an accident or damage other property.

Why choose Allianz?

Claims
 
UK based claims services.
Risk management

Free expert help handling the risks your business faces.
Expertise

Over 130 years’ experience as part of one of the largest insurers in the world.

Business legal expenses and expertise

Our insurance packages for small businesses have legal expenses cover included automatically, and this cover can be added to policies for larger businesses too. Legal expenses cover from Allianz provides access to a range of services including:
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CLICK Legal

  • Free legal health check
  • Over 140 document templates
  • Safe storage of legal contracts
  • Easy-to-use guide on legal processes and requirements.
Find a broker
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TALK Legal

  • 24/7/365 legal advice line
  • Free tax advice
  • Discounted legal action, support and communication services from specialist commercial solicitors DWF LLP.
Find a broker

Contact your insurance broker

Speak to your insurance broker to help you arrange your business’s liability insurance.

Frequently asked questions

Some family businesses may not be required to have cover by law, but you may still want to consider it to make sure your business and employees are protected.
Whilst it’s possible to get household insurance which includes liability for business activities and property, every policy is different and so you should ask your broker for advice to make sure you are protected.
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