Liability insurance protects your business from legal liability arising as a result of a third party being injured or third party property being damaged. A claim can arise regardless of whether or not you are negligent, and the costs associated with defending a claim of this nature can be significant.
Due to the litigious nature of our society and an increase in the number of liability lawsuits, it is also becoming common practice for business associates to require evidence of liability insurance before entering into contracts. These contracts themselves can be fraught with danger where indemnities are granted and rights waived without fully understanding the implications this may have on your insurance cover.
Guardian can tailor a solution to ensure you have cover for your specific business needs. The level of cover needed will depend on the type of business, turnover and employee numbers and will take into account exposures specific to your industry and activities.