Public & Products Liability
Public and Products Liability for UK Brokers
Liability underwriting built around the business
Its activities, locations, contracts, products, customers and risk controls all contribute to the underwriting picture.
Gem gives brokers direct access to experienced liability underwriters who consider the business behind the submission and make informed, commercial decisions.
Limits of Indemnity of up to £25 million may be available for suitable risks.
Public Liability
Where Public Liability is selected, the policy provides indemnity against the insured’s legal liability for damages and claimant’s costs and expenses in respect of:
- Injury sustained by a person
- Damage to property
- Nuisance
The injury, damage or nuisance must happen during the Period of Insurance, within the applicable Territorial Limits and in connection with the insured business.
The policy also provides for defined Legal Costs incurred with the written consent of the insurer in connection with an event that is or may be the subject of indemnity. The exact Limit of Liability is stated in the policy Schedule.
Products Liability
Where Products Liability is selected, the policy provides indemnity against the insured’s legal liability for damages and claimant’s costs and expenses in respect of:
- Injury sustained by a person other than a person employed
- Damage to property
The injury or damage must happen during the Period of Insurance and be caused by a product, as defined by the policy.
The policy also provides for defined Legal Costs incurred with the written consent of the insurer.
The total Products Liability limit applying during the Period of Insurance is stated in the policy Schedule.
Policy Features
Additional protection within the wording
Depending on the operative policy sections and subject to all applicable terms, limits and exclusions, the policy wording includes defined extensions relating to matters such as:
- Sudden, identifiable, unintended and unexpected pollution or contamination
- Overseas Personal Liability in connection with the business
- Legal liability under the Defective Premises Act
- Legal defence costs under the Consumer Protection Act and Food Safety Act
- Health and Safety at Work legal defence costs
- Corporate Manslaughter and Corporate Homicide legal defence costs
The applicability and extent of each extension must be confirmed by reference to the complete policy wording, Schedule and endorsements.
Our Risk Appetite
A broad range of commercial and specialist risks
Although this list is not exhaustive, other trades and suitable risks can be explored with the underwriting team. Gem’s combined liability appetite includes:
- Arboriculture
- Automotive parts, excluding safety-critical parts
- Building Contractors
- Charities
- Chemical and petrochemical operations
- Civil engineering
- Cleaning
- Cladding
- Demolition
- Electrical contracting
- Engineering
- Food and catering
- Haulage and transportation
- Hotels, leisure and public houses
- Manufacturing
- Painting and decorating
- Piling
- Railway work, including live-line working
- Renewable energy
- Retail
- Roofing
- Scaffolding
- Security
- Skip hire
- Steel erection
- Steeplejacks
- Thermal insulation
Flexible underwriting appetite
Unlimited height and depth limits
Hazardous locations
Temporary EU work
Exports to North America
North American export exposures can, however, be considered by agreement with the insurer and must be confirmed by an applicable endorsement.
Limits up to £25 million
Risk Management
Health and safety support
A specialist health and safety survey may be available for suitable liability risks. The service assesses relevant documentation, business activities and sector-specific challenges before providing practical recommendations. Premium savings of up to 10% may be available where the service is retained, subject to underwriting agreement.
Important cover information
The standard Public and Products Liability wording includes exclusions, limitations and conditions. Among other matters, the standard wording does not provide cover for:
- The cost of recalling, removing, repairing, replacing or refunding defective products
- Damage to property owned, hired, leased or otherwise in the insured’s care, custody or control, subject to the detailed policy wording
- Pure financial loss
- Liquidated damages, penalty clauses or performance warranties
- Certain aircraft, marine, offshore and airside exposures
- Judgments, awards or settlements governed by the laws of the USA or Canada unless specifically agreed
- Certain asbestos, pharmaceutical, cosmetic and medical-product exposures
This is not a complete list of exclusions. The full policy wording, Schedule and endorsements must be reviewed to determine the exact cover applying to each insured risk.
Commercial decisions made by experienced people
Our liability team has more than 60 years of combined experience in the UK market. Brokers benefit from:
- Direct access to the underwriting team
- Responsive and informed decision-making
- Efficient policy-document production
- An appetite for a wide range of commercial and specialist trades
- Individual consideration of suitable risks
- Access to established claims and risk-management partners
Let’s discuss your next liability risk
Our underwriting team will review the information against Gem’s current appetite.
Address
Fourth Floor, 37-39 Lime Street
London, EC3M 7AY
United Kingdom
Product Information
This page provides a general summary only and does not form part of the contract of insurance. All risks are subject to underwriting review and acceptance. Exact cover, limits and restrictions are determined by the policy wording, Schedule and endorsements. Public and Products Liability insurance is underwritten by Gem Underwriting Agency Ltd on behalf of Irwell Insurance Company Limited.
At Gem Underwriting Agency Ltd, we're not just another insurance provider; we will become your trusted partner in navigating the complex world of insurance. Discover the Gem difference today.
Fourth Floor, 37-39 Lime Street, London, EC3M 7AY, United Kingdom
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Gem Underwriting Agency Ltd is an Appointed Representative of Bannerman Rendell Limited who are authorised and regulated by the Financial Conduct Authority to conduct insurance distribution activities. Our registered number is 986425. You can check this by visiting www.fca.org.uk/firms/financial-services-register or by contacting the FCA on 0800 111 6768.
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