Protect for businesses and individuals from legal liability losses due to claims arising from third-party injury or property damage caused by their business activities. It typically covers:

• Third-Party Bodily Injury: Medical costs, compensation, or legal fees if someone (e.g., a customer or passerby) is injured due to your business operations, such as a slip in your shop.
• Third-Party Property Damage: Repair or replacement costs for damage to someone else’s property caused by your business, like accidentally damaging a client’s equipment.
• Legal Defence Costs: Expenses for defending claims or lawsuits, including lawyer fees and court costs, even if the claim is unfounded.
• Product Liability: Claims related to injury or damage caused by products you sell, supply, or manufacture, if included in the policy.

This insurance is crucial for all businesses.

Subject to variations in insurers wording, exclusions and case specific endorsements.