Financial protection when you are held legally liable for accidental loss or injury.
Personal Liability
Financial protection when you are held legally liable for accidental loss or injury.
Personal liability cover can respond when a third party alleges that your negligence caused injury or property damage. We help assess suitable limits and explain the circumstances in which defence costs may be covered.
Protection mapped to the exposure.
Third-party injury
Qualifying legal liability arising from accidental bodily injury.
Property damage
Qualifying liability for accidental damage to another person’s property.
Legal defence costs
Reasonable defence costs where accepted and handled by the insurer.
Property-owner exposure
Certain liabilities connected to owning or occupying insured premises.
Details that shape a better policy.
Choose a realistic limit
Severe injury claims can be financially significant.
Disclose relevant activities
Pets, pools, rental arrangements and hobbies may change the exposure.
Notify incidents early
Potential claims should be reported before liability is admitted or settlements are discussed.
Clear advice from first review to claim support.
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01
Understand the exposure
We start with the people, assets, activities and obligations that create the real risk.
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02
Compare suitable cover
We approach appropriate insurers and explain meaningful differences in limits, excesses and wording.
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03
Support the policy and claim
We keep the cover current and help coordinate communication when an insured event occurs.