Liability Insurance
Understand the legal exposures created by your operations, products, workforce and leadership decisions.
Cover overview
What this cover can help protect
- Public liability — third-party injury or property damage linked to your business activities
- Product liability — harm caused by products you manufacture, supply or sell
- Employers' liability — claims from employees for work-related injury or illness
- Directors' and officers' liability — personal exposure from decisions made in their role
This is a general overview. Benefits, limits, conditions and exclusions vary between insurers and policies. We will explain the proposed wording before you decide.
Is it relevant to you?
It may be time to review your options if…
- The public or customers visit your premises or use your products
- You employ staff and want cover aligned to your obligations
- You manufacture, supply or distribute physical products
- Your board wants directors' and officers' exposure reviewed
Our role as your broker
Advice before placement. Support after it.
Needs analysis
We begin with your circumstances, priorities and exposure—not a preselected product.
Market placement
We approach suitable licensed insurers and help you weigh cover, terms and cost.
Documentation
We highlight important limits, exclusions and obligations before you make a decision.
Renewal & claims support
We review changing needs at renewal and remain involved if you need to claim.
Frequently asked questions
Do I need public liability if customers don't visit my premises?
Often, yes — exposure can arise from your activities or products off-site too, not just your address.
What's the difference between public and product liability?
Public liability covers harm from your general activities; product liability covers harm from what you've made or sold. Many need both.
Is employers' liability a legal requirement?
It varies by sector and structure — we can talk through what's appropriate for your workforce.
Why would directors need their own liability cover?
Directors can face personal claims from company decisions, separate from the company's own exposure.
Let’s find out what suitable liability cover looks like for you.
Tell us what you need to protect. An adviser will help you understand the available options and the information insurers may require.
Pendulum Insurance Brokers Limited acts as an insurance intermediary and risk adviser. Insurance cover is underwritten and issued by the selected licensed insurer. Cover is not in force until the insurer confirms acceptance.