• Business Liability
• Domestic Liability

• Public Liability
• Umbrella Liability

• Products Liability
• Workers' Compensation

• Broadform Liability

Public Liability Insurance

All businesses have a legal liability to their customers, suppliers and the general public. If a third party suffers bodily injury or damage to their property arising out of your business activities, including the actions of you or your employees, you may be held liable. The court can award significant compensation against you, the affect of which may be compounded by the impact on your time, your company's reputation and defence costs. QBE PUBLIC Cover will indemnify you for compensation awarded in court and the associated costs of defending the claim.

Public Liability Insurance

QBE PUBLIC Cover

Products Liability Insurance

If your product causes bodily injury to, or damages the property of, a third party you may be held liable. Your case will be subject to the jurisdiction of the country in which the product was purchased. Not only will the manufacturing come under scrutiny; labeling, packaging, instructions, installation, service and other elements of the product can all be attributed blame. When a product causes damage, the right to take action is certainly not a right limited to citizens of the USA or other litigation-conscious countries. All over the world people can and do take action against manufacturing firms including importers they believe have been negligent. QBE PRODUCTS Cover will indemnify you for compensation awarded in court and costs associated with defending the claim, both of which may be substantial.

Products Liability Insurance

QBE PRODUCTS Cover

Broadform Liability Insurance

Liability may seem like a straightforward insurance risk today. But changing exposures can lead to unexpected and complex claims with daunting implications in terms of expense, time and reputation.  Broadform liability combines both public and products liability and is the policy coverage purchased by many businesses from medium scale to the largest.

Even if you have taken all necessary precautions in the way your business is conducted and your products are manufactured, accidents can occur. Subsequent bodily injury and property damage claims against you can become a reality – especially if the accident is deemed to have been caused by your negligence.

The QBE FORWARD Cover policy wording can be tailored to help meet the needs of individual occupations, addressing the increasing complexity of industry specific exposures.   Whether yours is a large or a small business you may need the advantages of QBE FORWARD Cover. It will help your business manage the impact of many legal liabilities which may arise from your business activities or from incidents involving the goods or services you provide.

Broadform Liability Insurance - Public & Products

QBE FORWARD Cover

Umbrella Liability Insurance

In the business world it pays to be prepared for the unexpected. That's why sound business managers ensure they have broad cover when it comes to liability. But liability claims can easily escalate. Business managers who recognise the need to top up their existing suite of liability covers can choose the added cover of a QBE umbrella liability policy; specifically tailored by QBE experts to sit over the existing coverage (not necessarily from QBE) to provide greater coverage. The policy can help address the differences between existing covers, helping to cover your business from liability.

Umbrella Liability Insurance

Talk to your insurance adviser about this product.

Workers' Compensation Insurance

As an employer you have legal obligations and a duty of care to your employees. If your workers sustain bodily injury due to an accident arising out of, or in the course of, their employment, you are required by legislation to pay compensation.

Workers' Compensation Insurance

QBE WORKERS Cover

• Personal Liability Insurance - High Net Worth Individuals
• Personal Liability Insurance - Golfing

Personal Liability Insurance - High Net Worth Individuals

Unfortunately, it stands to reason that the more you have, the more you are exposed and the more you have to lose. Everyday activities not associated with your business can provide a multitude of exposures. Something that you do routinely, something someone else routinely does for you, or something deemed to be in your control may damage the property of, or cause bodily injury to, a third party.

If you are found to be personally liable for the incident your personal assets are at stake, in fact they may be exhausted in defending or paying a claim. QBE ECLIPSE Cover provides relevant private liability insurance for individuals to help meet liabilities from various lawsuits for any injuries you unintentionally cause away from home.

Personal Liability Insurance - for High Net Worth Individuals

QBE ECLIPSE Cover

Personal Liability Insurance - Golfing Activities

Whether you're an experienced golfer or an enthusiastic novice, you'll know the frustration of a stray ball landing out of bounds. But it's nothing compared to the frustration and anguish you could feel if that stray ball struck and injured another player. Remorse and a lifetime of guilt will not pay the injured person's medical bills. What happens if they sustain a short term or an irreparable injury, affecting their ability to earn? Someone has to bear the cost and the courts may look to the person that caused the injury. Contrary to popular opinion, you're unlikely to be covered by the golf club where you were playing and whilst many household policies may provide personal liability cover, they may exclude coverage for sporting activities. QBE GOLF Cover will help you meet compensation awarded in court and relevant costs associated with defending a personal liability claim arising froma claim against you for events covered by the policy.

Personal Liability Insurance - For Golfing Activities

QBE GOLF Cover