Liability
Useful information about Liability and Accident Insurance
Liability and Accident Insurance is designed for businesses and professionals who may face compensation claims because of their activities. It can support third-party liability, employer liability, professional responsibility and personal accident needs.
The quotation process is shaped by activity field, number of employees, turnover, work environment and previous claim history. These details help determine the most relevant limits and additional coverages.
When an incident occurs, written records, witness information, photographs and official reports should be kept. We guide the customer through the notification and document preparation stages.
Liability policies protect the business when its activities, products or premises cause harm to others. Third-Party Liability responds to bodily injury and property damage claims from outside parties, Employer's Liability covers workplace accidents affecting employees, Product Liability follows the goods you sell, and Professional Indemnity protects service providers against financial loss caused by errors and omissions. Personal Accident policies complement these with fixed payments for injury or death.
What is typically covered?
- Bodily injury and property damage claims from third parties
- Employer's liability for workplace accidents and occupational risks
- Product liability for goods manufactured, sold or distributed
- Professional indemnity for errors, omissions and negligence claims
- Legal defence costs alongside compensation payments
- Personal accident benefits for injury, disability or death
Who is it for?
Shops, restaurants, manufacturers, construction firms, clinics, consultants, engineers, accountants and any business that interacts with customers, employees or the public. The right limits depend on your activity, contract requirements and the size of the risks you face — we help you compare realistic scenarios before choosing.
What sets our agency apart
Liability files usually run alongside a legal process, and that is the most tiring part of the work. Our agency notifies the insurer on time and explains in advance how defence costs work against the indemnity limit. In correspondence with the other side and their lawyers we convey the insurer's expectations to you and your position to the insurer accurately. Our real contribution at such moments is that our client finds a calm and organised point of contact.