People & Liability

Liability & Accident

Employer and third-party liability

Liability cover pays for the harm your business causes to other people — customers, visitors, neighbours or employees. It is the line of cover that turns a bad day into a manageable one, and the one most often left until after something has happened.

What it covers

Third-party liability

Injury or property damage suffered by customers, visitors and neighbours because of your operations.

Employer liability

Claims brought by employees for workplace accidents, beyond what SGK pays.

Product liability

Harm caused by a product you manufacture, import or sell.

Professional indemnity

Financial loss caused to a client by a professional error. Structured by profession.

Group personal accident

Lump sum cover for employees for accidental death and permanent disability.

What to watch for

Deliberate acts and known defects left unaddressed are not covered.
Fines and administrative penalties fall outside liability cover.
Whether the policy runs on a claims-made or occurrence basis changes when a claim is valid — this matters more than most buyers realise.
Activities not described in the policy are outside it; a change in what you do needs to be declared.
Cover for work carried out abroad requires a specific extension.

Who it is for

Any business with customers or visitors on site, anyone manufacturing or importing a product, and professionals whose advice carries financial consequences.

What we add as a broker

Liability wordings differ far more than motor or property, and the exclusion list is where the real product sits. We read the exclusions against what your business actually does — the mismatch between the two is the most common gap we find.

Frequently asked

SGK already covers workplace accidents. Why do I need employer liability?

SGK pays its own scale of benefits, then has a right of recourse against the employer where fault is established. Employer liability is what stands between that recourse claim and your balance sheet.

What is the difference between claims-made and occurrence cover?

Occurrence cover responds to incidents that happened during the policy period, whenever the claim arrives. Claims-made responds to claims notified during the policy period. For professional work the distinction can decide whether a claim is paid at all.

We are expanding into a new activity. Does the policy follow?

Not automatically. The policy covers the operations described in it. Tell us before the change rather than after and we will have it endorsed.

Let us compare 30+ insurers on an identical cover set for liability & accident.

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