LIABILITIES

Each industry will have its own risk profile and set of potential circumstances, but there are four broad categories of liability insurance:

General Third Party Liability – Bodily injury and Property damage
Products Liability – Defective products
Liability to Employees – Work place accidents
Professional Liability – Resulting from defective advice or actions

General Third Party			Liability to Employees
•	Own premises risk		•	Contractual
•	Off premises risk		•	Workers Compensation
•	Motor – Passenger and third party		•	Statutory
•	Liability to Employees		•	Legal Liability following a work-related accident or event
Products Liability			Professional Liability
•	Product Recall		•	Defective advice or actions
•	Products Guarantee		•	Directors & Officers Liability
•	Products supplied causing damage or bodily injury		•	Contractual Liability