Liability insurance is about making sure a bad day doesn't turn into a bad year: if your work causes harm to someone else, there's someone to stand behind it – so you can carry on.
A compensation claim doesn't care whether a one-person business or a twenty-person company caused the damage. A tradesperson's ladder can break a shop window just as easily as an accounting firm's oversight can lead to a fine – and the claim stands against the business, and can even exceed the company's annual revenue. The essence of liability insurance is that, under its terms, the insurer then stands behind you: it has the loss assessed by an expert, settles a well-founded claim, and helps fend off one that isn't. Exactly what it covers and what it doesn't is set out on the Coverage page and in the what's covered and what's not article.
In many professions, liability insurance is no longer a matter of choice: for some activities, the applicable laws and chamber regulations require cover; elsewhere, the client makes it part of the contract by asking for a certificate. In a general-contractor chain, at a tender, or with a foreign client, the certificate of insurance is often just as basic a document as the price quote. For anyone who sorts this out in advance, it's not an obstacle but a competitive edge: the client requirements and when it's mandatory articles cover this in detail.
An often-forgotten value of liability insurance is that it doesn't just pay – it defends too. If a claim is unfounded or exaggerated, the insurer – within the framework of its terms – stands on your side in the legal defence too. And as broker, I step in exactly where the system gets stuck: if a case stalls, or the positions won't move closer together, I help the client with the insurer, where I can. That's what the stuck, disputed claim article is about.
Anyone who's ever received a solicitor's letter knows: a claim doesn't just cost money – it can pull your attention away from work for weeks. A well-sized policy takes that burden off you: there's a well-worn path from notification to claims handling, and you don't have to figure out the process yourself. In client feedback, what comes up again and again is that peace of mind matters most.
You won't find premium figures here – not because they're a secret, but because it wouldn't be responsible to state them: the premium depends on the activity, revenue, the limit, the deductible and claims history. My job: I request quotes from the insurers relevant to your activity, and I pass on what I receive in a comparison table – so the decision can be made on content. The offer-comparison article shows in advance what the comparison looks at.
Free of charge, no obligation – at the end, you'll see exactly your options and the next step.