Business Liability

This covers you for claims against you for damage to property that isn’t yours, or that is in your care.

This section covers you for any injuryAccidental death, bodily injury to, or illness of, any person. or damage you may cause people or their property during the course of your business. In this case you first need to be found legally liable by a court of law before claiming.

We cover you for damage to property not belonging to you and for injury to people not employed by you if you are found to be legally liable

You’ll get all of this automatic additional cover:

• Wrongful arrest and defamation, including legal defence costs
• Tool of trade liability
• Vehicles in your business car park
• Beautician’s treatment risk
• Hairdresser’s treatment risk
• Accidental poisoning through food or drink

For a minimal extra monthly premium you can extend your cover to protect against claims for product liability, defective workmanship and legal defence costs for contravening certain statutes.

Please note: you cannot take out a Business Liability policy unless you have first taken our Business Contents cover.

Here’s a handy List of Terms we use in Business Liability Insurance, with their explanations.

All cover is subject to the policy terms, conditions and exclusions as stated in the Policy Wording, which you can read here.

You can read the General Section and General provisions here

Please always refer to your policy wording as the final and definitive document that specifies the details of your cover, including what is not covered.

BUSINESS LIABILITY TERMS

Damage

Accidental loss of or physical damage to tangible property other than property belonging to you, held in trust by you or in your custody or control.

Injury

Accidental death, bodily injury to, or illness of, any person.

Occurrence

An occurrence or series of occurrences arising out of one event.

Pollution

The emission, discharge, release, dispersal, disposal, seepage or escape of solid, liquid, gaseous or thermal contaminants or irritants, including vapours, smells, odours, humidity, fumes, smoke, soot or other airborne particulates, acids, alkalis, chemicals and waste, electromagnetic waves, noise, vibrations, other emission of effluent or noxious substances into or onto the soil, the atmosphere or any watercourse or body of water.

Product

Any item that has been manufactured, constructed, sold, supplied, distributed, treated, serviced, altered or repaired by your company and then given to a third party.

Territorial limits

Anywhere in the world except the United States of America or Canada but only for business conducted from the premises noted in your declaration and for contracts for the performance of work in the Republic of South Africa, Namibia, Botswana, Lesotho, Swaziland and Malawi.