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Liability insurance for your business

There are a few different types of liability insurance which a business could need or benefit from – your insurance broker can help you decide what protection is right for you.

The different options available

Employers' liability

You’re responsible for protecting the health and safety of employees during working hours and for the vast majority of businesses with employees, it’s a legal requirement to take out Employers’ liability insurance. It also provides cover when a member of staff becomes sick or injured because of work.​
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Public liability

It’s not a legal requirement to have this cover, but it can offer protection if something unfortunate happens and a customer or member of the public makes a claim for personal injury, or property damage against your business.​

Product liability

If members of the public are injured or their property is damaged, as a result of an accident caused by your products, it offers protection against any personal injury or property damage claims you may face. 
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Professional indemnity

Each time you or your employees give advice or offer a service for a fee, you’re potentially vulnerable, this cover can offer protection if there’s an accusation made against your business, such as copyright infringement, breach of confidentiality or incorrect advice.

Directors and Officers liability

This cover can offer protection for a person accused of wrongful acts in their role, as a director or officer in a business. It may pay for legal defence and cover compensation for anything unintentional, which caused financial losses or other damage.​
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Contact your insurance broker

Our range of products are only available through insurance brokers. Speak to your insurance broker to help you arrange business liability insurance.
Find a BIBA broker

We can also provide cover for

Helps to provide cover in the event of financial losses and missed income, when your business can't operate as normal, after physical damage or loss.
Our buildings and contents insurance will help you put things back to normal if your business premises, contents or stock get damaged, lost or stolen.
Specially designed for both traditional and electric vehicle fleets, ensuring protection in case of accidents and damage to other property.

Why choose Allianz?

Claims
UK based claims services.
Risk management
Helping manage the risks businesses face.
Expertise
Over 130 years’ experience as part of one of the largest insurers in the world.

Business legal expenses and expertise

Cover for legal disputes with access to a range of included and/or discounted legal, tax and business advice services.
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Allianz Legal Online

100+ legal templates and easy-to-use law guide, to help ensure your customers’ HR policies, contracts and agreements are legally compliant. Once created, customers can save and store all their documents within our online storage facility.
Find a broker
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Legal and tax helplines

  • Allianz Lawphone legal guidance on any business related legal matter, from employment law to debt recovery and property disputes
  • Business tax advice from Markel Tax 
Find a broker

Frequently asked questions

Some family businesses may not be required to have cover by law, but you may still want to consider it to make sure your business and employees are protected.
Whilst it’s possible to get household insurance which includes liability for business activities and property, every policy is different and so you should ask your broker for advice to make sure you are protected.

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