BUSINESS CLIENTS · LIABILITY

When your business is liable for the damage.

Public liability cover is essential. Gaps in it are a business risk.

The problem

Liability lands on the business, directly.

Any business can be held liable for damage to third parties, whether caused by staff, by products or by its operations. Without adequate cover, a single claim for damages can threaten the company's existence. The critical point: many limits of indemnity are out of date and no longer stretch to larger losses.

Worked example

When the limit of indemnity falls short.

WHEN THE LOSS EXCEEDS THE COVER

Your cover gap at a glance

Size of the loss€0

Outdated limit of indemnity€0

Left with the business€0

If the loss exceeds the limit, the company pays the difference out of its own pocket.

Our solution

The right cover. The right limit.

We analyse your particular liability exposures by industry and find public liability cover with the right limit, the inclusions that matter and fair terms. We also check whether your existing policies are still up to date.

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The hard facts

Why one loss can become a question of survival.

€3m

is today's minimum standard limit for public liability cover.

€10m

is the limit experts recommend to cover today's large losses.

€5m

is the recommended floor in construction and the trades.

5 years

is the longest you should leave your policy before reviewing and adjusting it.

Worth knowing

What many businesses underestimate.

Public liability is not personal liability

Damage arising from business activity is not covered by a personal liability policy. That needs public liability cover of its own.

The limit decides

Limits set too low will not stretch when it matters. We work out what level fits your industry, your size and your actual exposure.

Unfounded claims cost money too

Public liability cover examines claims and fights off unfounded ones. In practice this defence cover is often as valuable as the payout itself.

Industry and activity define the need

Trades, retail, services and manufacturing carry very different liability exposures. An off-the-shelf policy rarely fits; the right cover is always individual.

Experience you can rely on.

37+ years

in the market

100%

independent advice

DEWE

Certified partner of Deutscher Wertschutz e.V.

Why it matters

Why to act now.

Close the gaps

Older policies with a €3m limit often fall short against today's losses. €10m is now the recommended level.

Protect the company's assets

If a loss exceeds the limit, the company is liable with everything it owns.

Review regularly

Risks, turnover and activities change. Adjust the policy at least every five years.

A single liability claim can cost a company its existence.

The first consultation is free. We review your current liability cover and show you where dangerous gaps remain.

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