Corporate insurance
Liability Insurance
Protection when your business is held legally responsible for injury, damage or financial loss to others.
Who is it for?
Is liability cover right for you?
- Manufacturers and businesses with public footfall
- Professionals and consulting firms
- Companies with boards and directors
- Employers with workers covered under employee compensation law
What does it help protect?
The risk, in plain English
Legal claims can arise from customers, visitors, employees or contracts. Liability insurance is designed to pay compensation and legal defence costs for covered claims, within policy limits.
Many contracts and tenders also require proof of specific liability covers.
Key cover areas
What a policy typically includes
Cover differs between insurers and plans. These are the areas we walk you through — the policy wording always decides.
Public / general liability
Third-party injury or property damage arising from your premises or operations.
Product liability
Claims arising from products you make, sell or distribute.
Professional indemnity
Claims alleging negligence, errors or omissions in professional services.
Directors & Officers (D&O)
Personal liability of directors and officers for management decisions.
Workmen / employees' compensation
The employer's liability to compensate employees for work-related injury, as required under applicable law.
What to check
Read this before comparing premiums
The cheapest policy is rarely the one that serves you best at claim time. These are the terms we always check with you.
- Limit of indemnity
- Per-claim and aggregate limits that match realistic claim sizes and contract requirements.
- Claims-made vs occurrence
- Which claims are covered depending on when the event or claim happens.
- Retroactive date
- Past work that is or isn't covered under claims-made policies.
- Territory and jurisdiction
- Important for exporters and businesses with overseas clients.
- Contractual liability
- Liability you take on through contracts may be limited or excluded.
How Finmirai helps
Advice before you buy. Support after you do.
As your broker, our job is to understand your need, explain options honestly and stay with you for servicing and claims.
- Map your business risks before recommending any cover.
- Prepare clear underwriting information so insurers can quote on accurate facts.
- Present options side by side — covers, exclusions, deductibles and terms, not just premium.
- Handle placement, documentation, endorsements and mid-term changes.
- Track renewals and support your team through claims, within the broker's role.
How it works
- 1
Tell us
Share your requirement by form, call or WhatsApp.
- 2
Understand your need
We ask the questions that shape the right cover.
- 3
Compare options
We identify suitable options and explain the differences.
- 4
You choose
You decide, with clarity on cover, exclusions and cost.
- 5
Policy issued
We help with proposal, documentation and issuance.
- 6
Ongoing service
Renewals, changes and claims guidance through the year.
FAQs
Liability Insurance: common questions
Which liability covers does a small business need?
It depends on what you do. A manufacturer might prioritise product and public liability; a consulting firm, professional indemnity. We start with your operations and contracts.
What is workmen compensation insurance?
It covers an employer's legal liability to pay compensation to employees for injury or death arising out of and in the course of employment, as provided under applicable compensation law.
Why do directors need D&O cover?
Directors and officers can be held personally liable for alleged wrongful acts in managing the company. D&O insurance helps cover defence costs and compensation, subject to terms.
Our client contract demands specific liability limits. Can you help?
Yes. We review the insurance clauses in your contract and help arrange cover and certificates that meet them where insurers can provide it.
What does claims-made mean?
A claims-made policy covers claims first made during the policy period, provided the event occurred after the retroactive date. Continuous renewal matters for this type of cover.
Request a consultation
Talk to us about liability cover
Share a few details and an advisor will contact you. There's no obligation to buy.
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