Commercial Liability Insurance

Insurance for commercial and general liability risks


What is Commercial Liability insurance and
what does it cover?

The insurance protects a business from “general” claims involving bodily injuries and property
damage. Almost every business has a need for general liability insurance.

Elmore Commercial Liability Insurance USP’s

Lloyds’ of London Facility with
GBP 15,000,000 of capacity

World-wide cover except
Employers Liability which is limited to UK

Fast turnaround- within 24 hrs
subject to acceptable information

Operational Risk Experts to
ensure risk control frameworks in place

Commercial Liability Insurance claims can arise in unexpected ways

Worldwide, the potential for large liability insurance claims has been increasing. While personal injury claims – such as road traffic accidents, slips and trips and accidents at work – account for the lion’s share of liability claims by frequency, defective products and work incidents claims account for the largest claims by value to businesses globally.

Four main areas of claims:

Defective products

Work related injuries

Collision / Crash incidents

Human error

The categories of
Commercial Liability Insurance:

Employers Liability

This covers the cost of
compensation claims
arising from employee
illness or injury, sustained
as a result of their work for
you during working hours.

Public Liability

This covers claims and
legal costs if a third
party suffers injury or
property damage while
on your premises, or
while you’re working on
their premises.

Products Liability

This covers manufacturers,
distributors, suppliers,
retailers, and others who
are responsible for the
injuries their products

Pollution Liability

This covers bodily injury,
property damage, defence,
clean-up, and related
defence costs as a result of
pollution conditions
(sudden/accidental or

Personal Accident

This covers an additional
level of protection to
Employers Liability
Insurance, giving pay-out
to employee regardless of
employer negligence.
Group schemes costs
effective for employers.

Product Recall

This covers expenses
associated with recalling
a product from the
market including
covering costs such as
customer notification,
shipping costs and
disposal costs.

Auto Liability

Should a firm’s fleet of cars
require large limits of
indemnity for automobile /
motor liability then this
cover can provide large
limits of indemnity, above
and beyond traditional
limits of indemnity.

Contractors Liability

This is cover for the
general liability risks
specifically for contractors
who pose a higher risk of
claim and as such requires
dedicated specialist
coverage for the various
General Liability risk they
may be exposed to.


Am I covered by existing
insurance arrangements?

General Liability Insurance is an important part of a comprehensive insurance programme. It is likely existing insurance arrangements will have elements of General Liability cover but may not provide coverage against all the different scenarios in which a serious Claim event can impact a business. Contact Elmore to undertake a gap analysis of your existing cover to see how you are covered.

Insufficient client funds followed by disputed over the quality of goods delivered or services provided are the primary reasons for claims under credit insurance policies.

Keeping your data secure

We take cyber security seriously and are one of the few in the insurance industry to certify with Cyber Essentials.
Implementation of Cyber Essentials controls can significantly reduce the risk of prevalent but unskilled cyberattack.