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LIABILITY INSURANCE


EVERYONE IN SOCIETY HAS A DUTY TO TAKE REASONABLE CARE THAT HIS OR HER ACTIONS DO NOT INJURE OTHERS. THE SAME RULE APPLIES TO BUSINESS ENTITIES.

You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.

Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people and/or property.

Liability insurance policies cover both legal costs and any payouts for which the insured party would be responsible if found legally liable. Intentional damage and contractual liabilities are generally not covered in these types of policies.

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Liability Insurance

EVERYONE IN SOCIETY HAS A DUTY TO TAKE REASONABLE CARE THAT HIS OR HER ACTIONS DO NOT INJURE OTHERS. THE SAME RULE APPLIES TO BUSINESS ENTITIES.

You or a member of your organization can make a mistake that injures someone or damages property. Your mistake could harm the reputation or interfere with the privacy of a customer, client, competitor or member of the general public. When such injuries occur, you may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.

Liability insurance provides the insured party with protection against claims resulting from injuries and damage to people and/or property.

Liability insurance policies cover both legal costs and any payouts for which the insured party would be responsible if found legally liable. Intentional damage and contractual liabilities are generally not covered in these types of policies.



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Types of Liability insurance


The carrier legal liability insurance will pay the amount for which the policyholder shall become legally liable to pay as compensation for physical loss or damage to merchandise while in transit, including loading or unloading and when goods are in the custody of the policyholder.



Employees compensation insurance policy provides for legal liability coverage for compensation to your employees for bodily injury or death caused due to accidents / occupational diseases arising out of and in course of employment.



Product liability insurance protects against claims of accidental injury, illness or death to a third party or damage to third party property, caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don't have to pay any legal or court costs.



it covers the cost of claims made by members of the public for incidents that occur in connection with your business activities. Public liability insurance covers the cost of compensation for: personal injuries. loss of or damage to property.



often referred to as professional liability insurance, it covers legal costs and expenses incurred in your defence, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause your client to lose money.



cyber and privacy policies cover a business'liability for a data breach in which the firm's customers' personal information, such as Social Security or credit card numbers, is exposed or stolen by a hacker or other criminal who has gained access to the firm's electronic network. It helps mitigate risk exposure by offsetting costs involved with recovery after a cyber-related security breach or similar event.



Directors and officers (D&O) liability insurance is insurance coverage intended to protect individuals from personal losses if they are sued as a result of serving as a director or an officer of a business or other type of organization.



CGL insurance protects business owners against claims ofliability for bodily injury, property damage, and personal and advertising injury (slander and false advertising).