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Liability Protect

Any combination of Employers’ Liability, Public Liability & Products Liability insurance - suitable for UK businesses of all sizes and across most business sectors.

Why Choose AIG Liability Protect

AIG Liability Protect goes well beyond its clear and broad cover for traditional liability risks to provide a host of valuable additional covers and services, including a complete Health and Safety training system for employees. This helps prevent accidents and reduces our clients’ total cost of risk. All of this is underpinned by AIG’s award-winning liability claims team.

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The AIG Advantage

Where We Can Help

Liability Protect provides EL, PL and Products Liability insurance for a wide range of organisations across most sectors, including multinationals.

Appetite and Sweet Spots

Beyond liability Insurance

Liability Protect goes beyond  conventional liability insurance including cover to protect clients’ reputations after a Crisis, Environmental Clean Up costs,  Product Recall costs and no-fault Personal Accident cover.

Wider Cover

Liability Protect includes various valuable cover extensions as standard such as worldwide jurisdiction, cover for property under the insured’s care, custody and control and legal costs covered on top of the usual policy limits.

Claims Excellence

Our award-winning Liability claims team, with outstanding technical expertise, is highly responsive before and during  the claims process delivering client services such as Accident and Disease investigation workshops to help minimise the impact of a claim. 

General Liability Claims Summary [PDF] Excess Liability Claims Summary [PDF]

Health and Safety System

Liability Protect policyholders have full access to a Health and Safety eLearning system for their staff.  This helps ensure and demonstrate health and safety compliance.

Health and Safety eLearning

Great for Multinationals

A multinational addendum provides cover options for  multinational Public and Products Liability exposures. Flexible master policy options, strong North American coverage and a Joint Venture provision make it highly suitable for multinationals.

AIG Liability Protect Solutions

Our broad Liability Protect coverage is based on our analysis of market liability wordings and feedback from brokers and clients. We go beyond liability insurance with valuable additional covers and services such as product recall, environmental clean-up costs, crisis containment and cyber liability. We also provide a tailored advisory service from our expert consultants, from developing and reviewing safety programmes, employee and management training to best practice assessments, all designed to reduce risk and prevent claims

What’s inside Liability Protect 

PDF file - 796.8 KB

  •  Legal Costs in addition to limit of indemnity
  • Criminal Legal Expenses £5m aggregate limit in addition to limit of indemnity
  • TUPE given as standard
  • Wide definition of employee
  • Medical and Vocational Rehabilitation at no extra premium cost
  • Health and Safety loss control
  • eLearning RoSPA accredited health and safety training 
  • Serious Accident Response Service
  •  Employment Related Accident Benefits (ERAB) included as standard when Employers' Liability purchased

  •  £5m aggregate legal costs in respect to Corporate Manslaughter in addition to the limit of indemnity
  • Wide cover as standard, including:
  •  Legionella
  •  Advertising liability
  • Blanket vendors liability
  •  Member to member liability
  •  Advice, design service and specification cover provided if resulting in injury or damage
  •  Libel/slander/defamation
  • Products unknowingly sold to the US included

  • Product Recall: £50,000 limit for government recall, product defect or malicious product tampering (included if Products Liability purchased)
  • Environmental Clean Up Costs: £2 million limit (included if Public Liability purchased)
  • Crisis Containment: Up to £150,000 for professional crisis communications expertise (included if Employers' Liability or Public/Products Liability purchased)
  • Cyber Liability: Defence Costs & Data Protection Fines in connection with a Regulatory Investigation; Cyber Legal Liability in respect of a Breach of Confidential Information or a Security Failure. (optional module)

Liability Protect: Deep Industry Expertise

Risk Consulting

Our dedicated Casualty Risk Consulting unit is focused on developing and delivering a range of alternative programme solutions to meet our clients’ needs. Tailored advisory services from our expert casualty consultants throughout the UK include developing and reviewing safety programmes, employee and management training, as well as best practice assessments. 

Multinational

Our London multinational team of around 65 dedicated specialists from over various countries has multilingual capabilities in over 20 languages and works closely with our underwriters to service multinational programs. Our global network of well-established AIG local offices and top-tier global network partners means we can issue policies and service multinational clients across the globe. 

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Accident and Disease Workshops

Attendance at Accident and Disease workshops which cover a range of topics run by our in-house teams. These provide clients with greater insight into how workplace accident and diseases occur and how to manage cases and claims from notification through to settlement.

Our AIG Liability Team Leaders

View contact information for AIG UK’s liability leaders.

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