Liability

General Liability

Including employers, public and products liability, a product suitable for most trades from home workers to large manufacturers.

What is General Liability Insurance?

General Liability Insurance provides comprehensive coverage for businesses and individuals which includes employers, public and products liability.

What does General Liability Insurance Cover?

General Liability Insurance provides cover against legal liability arising from bodily injury or damage to third party property caused by the activities of the business.

In the UK, many of these claims are covered by:

  • Employers Liability: Indemnity for legal liability to employees following an injury at work.
  • Public/products liability: Indemnity for legal liability to third parties arising out of injury or damage to property arising out of work undertaken or a product supplied.

It is important to note that the specific coverage and exclusions can vary between insurance policies and providers.

Limits and Minimum Premiums

  • Premiums start at £100 plus IPT* for Employers Liability
  • Premiums start at £175 plus IPT* for Public Liability & Products Liability
  • Standalone & combined cover available
  • Products Liability for exports to the USA/Canada available up to 30% of turnover (subject to product)

*DOA Underwriting Ltd fees apply, advised on each quotation.

Our Appetite

  • Administrative & Clerical
  • Community Services and Education
  • Entertainment
  • Events and Conference Organisers
  • Leisure
  • Manufacturing, Engineering and Processing
  • Property Owners
  • Retail
  • Transport and Distribution
  • Warehousing

This list is not exhaustive. If you’re unsure whether your risk fits our appetite, please don’t hesitate to give us a call.

How can DOA help?

The Commercial team at DOA provide specialist expertise to underwrite a wide variety of trades, with low minimum premiums and high limits of cover, including excess limits of indemnity where required.

If you would like to submit an enquiry to us online and already have access to our online facilities, please click the button below to complete your enquiry (please have your username and password ready).

Online Facilities

If you have an agency with DOA, you may contact us directly for a quotation:

John Harris Head of Trading & Distribution (Property & Liability) 01371 878577
Work With Us If you do not already have an agency and would like to become a DOA agent, you can apply here:

 Agency Application