Contractual Liability Assistance

Damage or harm caused by your business or its products or services to customers or the public can result in damages that can put you out of business.

We help you assess what liabilities your business may be exposed to and source the most cost effective and comprehensive liability insurance for your needs.

Public Liability Insurance for protection and peace of mind

Public Liability Insurance covers potential liabilities to third parties for personal injury or property damage if your business is found to be negligent.
Some laws impose a ‘duty of care’ upon certain people, including employers, owners of property and suppliers of goods. If have breached your duty of care, you may be liable for damages. Public Liability Insurance also covers any related legal fees, costs and expenses.

Product Liability Insurance

Product Liability Insurance is the legal responsibility of a manufacturer to a consumer of its product.
Liability arises out of the negligent manufacture of a product including defective or faulty workmanship, materials or components.
If you are a manufacturer and interested in Product Liability Insurance, we can help source cover for your business.

Professional Indemnity Insurance

Anyone who provides advice and/or services of a ‘skilful character according to an established discipline’ might be regarded as a ‘Professional’.
Professional Indemnity Insurance protects an insured, its employees and directors against liability arising from professional negligence. It covers the legal liability to compensate a third party who has sustained injury, loss or damage as a result of a negligent act, error or omission in the rendering of professional services.
Professional Indemnity Insurance also includes legal defence costs.

Management Liability Insurance

An innocent act, error or omission can be enough to generate a claim against an individual and/or against a company.
Every Director, Officer and Senior Manager is personally exposed to liability for a breach of duty they owe. Claims could arise from any of the following stakeholders:

• Shareholders
• Employees
• Competitors
• Creditors
• Regulators (Occupation Health & Safety, Statutory Duties)
• Customers

Information Technology (IT) Liability

Information Technology and Telecommunications (IT&T) companies are facing increasing liability challenges and threats.
There are many areas where you may be exposed to economic loss as a result of an error or omission by you or one of your employees.
Potential exposures include:

• Loss of data
• business interruption
• Incompatible, inappropriate or ineffective hardware or software
• Data migration difficulties
• Inadequate hardware or software support
• Injury caused by faulty hardware or software
• Physical loss of equipment.
• Due to systems not being delivered within contractual timeframes;
• Due to systems not performing as intended;
• Arising from loss of data, libel and slander and sub contractors acts.
• Arising from a breach of a third parties Intellectual Property Rights such as copyright, trademark or register design