Our Casualty team brings senior, hands-on underwriters to every liability placement, so brokers and their clients (professionals, contractors, developers and businesses) always work with people who understand the risks behind the work they do.
Every business carries the risk of causing harm to others. Our General Liability policy protects you against legal liability to third parties for bodily injury, personal injury, property damage and consequential financial loss arising from your business activities. Cover combines Public Liability, Products Liability for goods that have left your custody or control, Employers’ Liability towards your own staff, and Sudden and Accidental Pollution, all in one integrated solution.
Large construction projects often bring multiple parties together under one roof. SPGL provides General Liability cover dedicated to a specific project, including projects delivered in joint venture, so every partner benefits from one clear, project-specific solution for the full duration of the works.
When clients rely on your expertise, a single error or oversight can lead to a substantial claim. Our Professional Indemnity cover protects architects, engineers, consultants, lawyers, accountants, construction companies and other service providers against claims arising from errors, omissions or negligence in their professional services, including defence costs, settlements and awards. We write both primary and excess PI on a claims-made basis, using well-known broker wordings or our own insurer wordings, with excess layers following form to broker or reliable primary carrier wordings.
Project-specific PI cover, available in three forms. SPPI covers architects and engineers for their part of the work on a larger construction project. SPPI D&C protects design-and-construct projects against design and engineering errors, including mitigation costs prior to handover. SPOPPI gives owners and developers protection against professional errors made by their design specialists, written on a difference-in-conditions and difference-in-limits basis above the underlying policies of the architects, engineers and consultants involved.
For many professional firms, the most practical solution is one combined policy. Our PI/GL product pairs primary Professional Indemnity with General Liability, including office risk cover (such as slip-and-fall claims) and employer’s liability, so your professional and day-to-day exposures are protected together.