Liability Insurance

Protect your business from the unexpected with tailored liability cover

Are you fully protected if an unfortunate event occurs and someone is injured, their property is damaged due to your business activities, or if the professional services you provide don’t meet the desired standards, resulting in a costly error for your client?

Whether you’re managing a large team or a sole trader, we take the time to understand your business, and we know what to look for in the fine print to tailor robust protection for your business.

At Penberthy, our expert advice, proactive support and strong claims advocacy means we’ve got your back when it matters most … and you can get on with business.

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and protect your business interests with the most suitable cover.

There is a wide variety of business insurance policies that would reduce financial uncertainty and protect your livelihood, and that of your workforce, but it is essential that you get the right protection for your needs. We’ll help you with that.

Here’s just some of the ways we can protect you:

Business Liability Insurance

Public & Products Liability Insurance

Provides coverage designed to protect businesses against claims made by third parties for injury or damage to property. It covers legal costs and compensation payments for which the insured party may be responsible if someone is injured or their property is damaged as a result of the business’s operations.

Statutory Liability

Designed to protect businesses against unintentional breaches of certain laws and regulations. This type of insurance covers legal defense costs, penalties and in some instances fines imposed by regulatory bodies for non-compliance with statutory obligations, such as health and safety laws, environmental regulations, or employment practices.

Directors & Officers Liability

Offers vital protection for Directors and individuals in leadership roles within a company, safeguarding them against personal losses in the event they are sued for alleged wrongful acts while managing the company. This coverage includes legal defense costs and settlements related to claims of mismanagement, breach of fiduciary duty, or regulatory non-compliance.

Professional Indemnity (Errors & Omission)

This is essential cover for professionals who provide advice or services to clients. It protects against claims of negligence, errors, or omissions that could result in financial loss for clients. Whether you’re a consultant, architect, lawyer, or in any professional service/advice industry, Professional Indemnity Insurance ensures that you can operate with confidence, knowing you are protected against unforeseen mistakes that could have significant financial repercussions for both you and your clients.

Cyber Insurance – Cyber Attacks, Phising, Malware

Protects businesses against the financial impacts of cyber threats, such as data breaches, hacking, and other digital attacks. As cybercrime becomes increasingly sophisticated, this insurance may offer critical support by covering costs related to data recovery, notification expenses, and potential liabilities arising from compromised customer information. In an era where digital assets are as valuable as physical ones, Cyber Insurance is essential for safeguarding a company’s reputation and financial stability in the face of evolving cyber risks.

Employment Disputes

Provides businesses with protection against claims made by employees regarding workplace issues. This coverage includes legal defense costs and potential settlements related to allegations such as wrongful termination, discrimination, harassment, and other employment-related disputes. In today’s complex legal environment, where employment laws and regulations are continually evolving, this insurance is crucial for businesses of all sizes.

Ship Repairers Liability (specific cover if you are working on boats/launches)

While your General Liability insurance might offer some coverage for repairing boats, yachts, and launches, it typically excludes vessels over a certain length ie. 8 meters and/or weight. If you are servicing, repairing, or working on any vessels exceeding this size, you will need this policy. This insurance is crucial for shipyards and marine vessel repair facilities.

Our approach is what sets us apart

Our expertise makes a tangible difference

We are our client’s most suitable advocates, because our expertise is in the fine print, ensuring we delve deeper to tailor more thorough protection policies.