Bodily injury
Injuries to third parties can lead to substantial liability claims. Limits and exclusions are therefore crucial.
Cover structure
Liability protection starts with an accurate business description.
Business liability insurance examines liability claims, defends unjustified claims and pays justified claims within the agreed scope.
Property damage
Damage to third-party property may arise from work, products, premises or other business activities.
Consequential loss
Bodily injury or property damage can create additional financial consequences. The contract wording determines how these are covered.
Defence function
Liability insurance also includes examining liability and defending unjustified compensation claims within the policy terms.
Business description
The policy covers the agreed activities, not an abstract company label. New services, products or working methods should match the description.
Extensions
Work damage, product liability, environmental exposures, foreign activities, subcontractors and ancillary risks require specific review.