General Liability Insurance in UK

UK liability insurance is applicable for the businesses in UK, where liability claims are very high for citizens of UK.

To protect the citizens of UK from the claims from third party arising out of damage or injury to person or property, UK liability insurance provides a cover against law suits in consideration of premium. General liability insurance is the main coverage to protect the business from: injury claims, property damages, and advertising claims.

General liability insurance or common general liability insurance, is comprehensive as it comprises of public, product, legal and employee liability in a single policy itself.

A general liability insurance policy normally covers the following areas including UK

1. Bodily injury: If the physical harm is caused to someone at place of business, general liability insurance policy will pay for loss of services, medical care costs and court-awarded compensation for deaths that result from the injury.
2. Completed Products/Operations: If injury is caused due to a customer because of the product, the policy would pay for any resulting legal expenses, as well as damages up to your policy's limit.
3. Advertising injury: Losses caused while advertising the company's products or services.
4. Independent Contractors liability: it provides protection for damages from the acts of an independent contractor hired by the business.
5. Property damage: Damages caused to the property due to the negligence of employees.
6. Medical payments: Commercial liability insurance coverage pays the medical expenses of a person injured on the premises of the business.

There are many instances of closing the business because lack of proper insurance as they are unable to pay for the lawyers and damage costs. So, a business owner in UK who wants to be successful in his business has to buy a comprehensive general liability insurance cover.