A visitor injured on-site, a product that causes harm, accidental damage at a client’s location — CGL responds to all of these.
Bodily injury and property damage protection
Extended to products sold and premises operated
Liability claims can come from anywhere. Make sure you're covered from every angle.
CGL is relevant for virtually any business, especially those interacting directly with customers or third parties.
If your business could plausibly be held responsible for injury or damage to someone outside the organisation, this cover belongs in your risk management plan.
We assess your specific exposures rather than applying a one-size-fits-all liability template.
We assess the nature of your products, premises, and client interactions.
We include product liability cover where your business manufactures or sells physical goods.
We extend cover to issues arising after work is finished, where relevant.
We ensure legal defence costs for covered third-party claims are built into the policy.
Yes, with a completed operations extension, which covers claims arising after your work is finished — relevant for contractors, installers, and service providers.
Not always by default — we assess whether your business manufactures or sells products and add product liability cover specifically where it's relevant.
CGL generally excludes intentional acts, contractual liabilities beyond what's assumed under the policy, and certain professional errors — we walk clients through these exclusions clearly upfront.
