This insurance indemnifies an Insured against legal liability to pay compensation in respect of personal injury or property damage that occurs during the period of insurance and arising in connection with the business.
In addition to compensation payable, the policy also provides defence costs even if the action against you is groundless, false or fraudulent..

Main Liability Covers

• Public Liability:
  bodily injury to third parties, and/or damage to third party property.
• Product Liability:
  injury to third parties, damage to third party property and advertising liability caused by products manufactured or sold by you.
• Professional Indemnity/Errors and Omissions:
  claims made due to a breach or alleged breach of professional duty or error in the conduct of your business, which gives rise to a financial loss by a third party who acted on advice given by you, your employees or consultants.
• Directors and Officers Liability:
  personal liability of directors arising from their duties as directors as well as legal expenses incurred by the business in successfully defending any action brought against an individual director or other person.
• Employment Practices Liability:
  costs and awards your business is legally liable to pay due to claims made by your employees in respect to employment issues.
• Workers' Compensation:
  compulsory insurance that covers your employees for injuries specified by Workers' Compensation legislation.
• Association Liability:
  covers public liability for the association and the personal liability of its officers and/or committee.