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However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.
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Cover overview
Public and Product Liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products.
Our normal Public and Product Liability cover is £2.5 million. You can choose higher limits to meet the specific needs of your business or clients.
What's covered:
- Damages arising from injury to the public or damage to their property.
- Damages arising from injury to the public or damage to their property, caused by your products.
- Costs to defend proceedings against you under legislation relating to corporate manslaughter, health and safety, data protection (up to £500,000), defective premises, food safety and consumer protection.
What's not covered:
- Injury to any employees – this is specifically covered by Employers’ Liability insurance, which is a legal requirement if you have employees.
- Liability arising from pollution other than that caused by a sudden and unexpected incident.
- Liability arising from any vehicles for which compulsory motor insurance is required.
- Professional advice or services given for a fee.
- Products exported to the USA or Canada.
This is not an exhaustive list, more information can be found in the important documents section.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.
