Property, liability, engineering and project cover for businesses of every size.
This category covers the range of commercial risk beyond property alone — liability to third parties and customers, workforce-related exposure, and the specific engineering risk that comes with projects, plant and machinery. Most businesses need a combination of these, shaped by what the business actually does and who it deals with.
Covers your legal liability for injury or damage to third parties arising from your premises, operations or products.
Covers liability arising from professional advice, errors or omissions in the services you provide.
Covers your statutory liability for injury or death to employees arising out of and in the course of employment.
Covers construction and engineering risk, and damage to plant and machinery on a project site.
Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.
Record what happened, when, and keep any third-party correspondence or complaint received.
Avoid admitting fault or agreeing a settlement with a third party before informing your insurer.
Liability policies especially have strict notification requirements.
Provide documents and access requested to assess the claim.
The insurer handles or contributes to the defence/settlement per your policy terms.
For full step-by-step guidance and a claim assistance form, visit the Claims Centre →
We're preparing a short explainer on business, liability & engineering insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.
Product liability exposure often still applies even without a physical storefront — worth discussing based on exactly what you sell and to whom.
Employers generally carry statutory liability for workplace injury regardless of whether they're insured for it — insuring that liability is what workmen compensation cover does. Confirm your specific obligations with us or a legal advisor.
Public liability covers physical injury or property damage; professional indemnity covers financial loss arising from advice or a professional service you provided. Many service businesses carry both.
Tell us what you need covered — no payment or policy details required to start the conversation.