01 · Customer-facing risks
Public liability
May cover specified third-party bodily injury or property damage liabilities arising from covered business activities, subject to the policy terms.
Business protection
Every business has risks. Understand yours.
From customer interactions to professional advice and products, liability risks can take different forms. Explore the types of cover that may be relevant to your business.
Protection starts with clarity.
Understand your business activity, exposures and policy requirements.
Understand the exposure
Identify the situations where your business may face liability.
Review the policy wording
Limits, exclusions and conditions can make a real difference.
Discuss your requirements
Prepare relevant business information before making a decision.
Your business is unique.
Your insurance discussion should reflect your actual work and risks.
Beyond the paperwork
It's about the situations your business faces every day.
A customer visits your premises. A client relies on your professional advice. A product reaches its buyer. Each situation can involve different responsibilities and potential claims.
Liability insurance is not one-size-fits-all. The relevant cover depends on your business activity, policy wording, applicable law and the specific circumstances of a claim.
The first step isn't choosing a policy name. It's understanding
what you need to protect your business against.
Explore coverage
Different risks. Different cover considerations.
These are general categories to help you begin the conversation. Actual protection depends on the policy's terms, exclusions and limits.
Professional indemnity
For eligible professional liability exposures associated with services or advice, as defined by the policy.
Product liability
May address specified liabilities connected with products, subject to policy wording and exclusions.
Contract-specific requirements
Some clients or contracts specify liability limits or particular policy requirements. Review these before arranging cover.
Think about your business
What could a liability exposure look like?
These examples illustrate common risk situations. They do not guarantee that a particular claim would be covered.
A visitor at your premises
A visitor alleges an injury connected with your business premises or activities. The facts and applicable policy terms determine whether cover may respond.
A client questions your work
A client alleges a professional error or omission. Relevant professional indemnity wording and exclusions need careful review.
A concern about a product
A customer alleges injury or damage connected with a product. Product liability terms and the circumstances of the incident matter.
A client contract sets conditions
A contract requests specified liability limits or insurance evidence. Check the wording and discuss whether the available policy meets the requirement.
Before your enquiry
A little preparation makes the conversation more useful.
You don't need to know every insurance term. Start with a clear picture of what your business does, who it serves and what requirements you need to meet.
Sharing accurate details helps the discussion focus on relevant questions for an insurer or insurance adviser.
Information to keep ready
- ✓ Your business activity and services or products.
- ✓ Approximate annual turnover and number of employees, if relevant.
- ✓ Business locations and the type of customers you serve.
- ✓ Client contracts or any stated insurance requirements.
- ✓ Relevant previous claims or known risk concerns.
Let's discuss your requirements
Start with your business. We'll help you explore the next step.
Tell us about your activities, concerns or contract requirements. You can then discuss the relevant insurance options and information needed for assessment.
Business liability enquiry
Ready to discuss public liability, professional indemnity, product liability or a specific business requirement?
Discuss liability coverPrefer to call? +91-9899853832