| Employers Liability This is required by
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| | damage or injury caused by your product.
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| law and it covers personal injuries
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| | Cover is also available to protect you
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| sustained in the course of their
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| | against costs incurred in having to
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| employment by your employees. It will
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| | recall a product. With some recent high
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| also cover an employee (current or
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| | profile product recalls (SAAB announced
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| former) if they become ill as a result of
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| | it was recalling 33,100 cars in the UK
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| their work. Failure to take out an
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| | and 297,000 units Worldwide due to a
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| employer's liability policy can result in
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| | ignition problem) now, more than more, is
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| fines of up to £2500 for any day you are
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| | it crucial to ensure you have the correct
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| without suitable cover.
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| | level of cover.
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| Public Liability This covers injury to a
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| | Directors & Officers Directors & Officers
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| member of the public or damage to their
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| | (or D & O) is a policy that protects
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| property caused by you or your business.
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| | officers and directors of a corporation
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| Premiums depend on the type of business
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| | from liability in the event of a claim or
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| you run, your turnover and the number of
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| | lawsuit against them claiming wrongdoing
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| employees you have.
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| | in connection with the company's
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| Products Liability If you sell (or give
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| | business. Premiums for this type of cover
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| away) a product you are legally
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| | have risen dramatically in recent times
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| responsible for any damage or injury that
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| | so the use of a good insurance broker is
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| the product you supply may cause.
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| | highly recommended to ensure you get the
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| Products Liability will cover you against
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| | best deal.
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| any compensation awarded as a result of
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