General Liability

Cover your business against public and products liabilities

With frequent changes in the legal environment, businesses today must actively manage their liability exposures. Evolving exposures can lead to unexpected and complex claims with daunting implications in terms of expenses, time and business reputation.

Even if you have taken all necessary precautions, accidents do occur and you can face third-party bodily injury or property damage claim – particularly if the accident is deemed to have been caused by your negligence. Your customers can also allege that your products caused damage and/or injury to them and again, you may be held legally liable.

Whether you are a large or a small business, you need the advantages of QBE’s General Liability Insurance. This cover is available for any legal liability for goods you manufacture or supply as well as for the services that you provide.

Plus, if you are served with legal proceedings by a third party, QBE General Liability Cover enables you to continue to focus on your business while we manage the legal process. Financial protection is also provided against third-party property damage/personal injury, legal defence costs and other potential liabilities.

QBE General Liability Insurance helps protect businesses across the Pacific Islands region in their day-to-day operations and includes a number of automatic as well as optional covers:

• Products Liability Insurance
• Public Liability Insurance
• Combined General Liability Insurance (both public and products liability)
• Professional Liability cover for services not given for a fee
• Worldwide optional cover (excluding USA and Canada)
• Optional cover for USA and Canada exports available
• Optional care, custody and control cover
• Optional cover for new subsidiaries, partnerships, joint ventures
• Optional write-back for accidental or sudden pollution

All you need to do is talk to your broker about your needs and ask about our General Liability covers. We will work with our intermediaries to tailor our policies to your specific circumstances and assist with cover against legal liabilities and help protect you against damage to your finances and to your commercial reputation.

Also, if you offer paid advice in respect to your goods or services you may need cover for professional negligence. Please find out more in our Professional Liability section.

Important Notice:
The above only serves as a general description of our products and services in some of our Pacific operations. Please note that not all the products are offered in all markets. For full product details and coverage or to check on the product availability in your market, please contact your local insurance broker or a QBE authorised agent.