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Liability Insurance

Do I need it?

If you run a business you should be aware of all the legal responsibilities towards your employees, customers, and the general public.

With litigation against companies increasing, you need to protect yourself against claims arising from injury to your employees and members of the public if you, or your employees, have been negligent or found in breach of a statutory duty. Employers must also insure against injury, disease or death to employees as a result of their employment.

In addition, if you provide products, you could be legally responsible for any injury or damage that your products may have caused ­­- even if you did not manufacture them.

At CCI we have the expertise to provide the most effective Liability Insurance package for your needs, whatever the type and size of your business.

What is it?

There are a number of insurances that can protect you and your business.

Employers’ Liability is in the majority required by all businesses, except sole traders. This insurance enables businesses to meet the costs of damages and legal fees awarded against you for employees who are injured or made ill at work through any fault of you, the employer.

Public Liability Insurance enables you to cover the cost of damages that may be awarded to members of the public for injury or damage to their property caused by you or your business. Any related legal fees, costs and expenses are also covered in the event of you needing to defend a claim.

Product Liability Insurance protects you against damages awarded as a result of damage to property or personal injury caused by products you supply.

CCI has a wealth of experience in providing liabilities insurance.

As specialists in this field, we understand that every business has different requirements, so we’ll create a tailored solution that matches your situation, and ensure that you only pay for the level of cover that you actually need.

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Call us today on 020 7637 1606.

As a business owner, you have a legal responsibility to protect and provide a safe working environment for your employees. Employers’ liability is in the majority required by all businesses, except sole traders.

This insurance enables businesses to meet the costs of damages and legal fees for employees who are injured or made ill at work through any fault of you, the employer. Our policy will protect you and your staff against claims of negligence or being in breach of your statutory duty. Any related legal fees, costs and expenses are also covered in the event of you needing to defend a claim.

To find out more about this cover and how we can help you ensure that your business is protected in all aspects of Liability Insurance, please contact a member of our team for an informal, friendly discussion.

As a business owner, you have a legal responsibility towards protecting your customers and the general public. Should an incident occur due to your negligence, you or your business could be held liable and sued for damages and the legal costs incurred if you do not have adequate cover.

Our policy will protect you and your staff against claims of negligence or being in breach of your statutory duty.

To find out more about this cover and how we can help you ensure that your business is protected in all aspects of Liability Insurance, please contact a member of our team for an informal, friendly discussion.

As a business owner, you may also be responsible for any injury or damage that occurs as a result of the goods you sell – even if you did not manufacture them.

Our policy will protect you against the damages awarded, along with the legal fees, costs and expenses incurred in defending a claim.

Coverage can in specific circumstances be extended to include product contamination, efficacy (failure of your products to perform their intended function) and Financial Loss.

To find out more about this cover and how we can help you ensure that your business is protected in all aspects of Liability Insurance, please contact a member of our team for an informal, friendly discussion.

Product liability insurance protects you against damages awarded as a result of damage to property or personal injury caused by the products you supply. However, Products Guarantee, Financial Loss and Products Recall insurance is available for specific types of products such as: electrical, automotive, aviation, food etc. and the coverage would include:

  • Products Guarantee – removal, repair, replacement, alteration, treatment or replacement of product which fails to perform its intended function
  • Financial Loss – incurred by a third party arising from the defective product and for which the insured is legally liable
  • Products Recall – reasonable and necessary costs of recalling product to the insureds manufacturers or manufacturers’ nominated premises

To find out more about this cover and how we can help you ensure that your business is protected in all aspects of Liability Insurance, please contact a member of our team for an informal, friendly discussion.

Should your business have to gain access to restricted areas of an airport such as: aprons, runways, terminal buildings etc. your standard motor and public liability insurers may not provide cover for this eventuality or if they do, not to the specific limits of liability required by airport authorities, which can vary.

Coverage can be arranged to protect your business for these specific needs with limits of liability up to £100,000,000.

To find out more about this cover and how we can help you ensure that your business is protected in all aspects of Liability Insurance, please contact a member of our team for an informal, friendly discussion.