General Liability
Public Liability Insurance
All businesses have a legal liability to their customers, suppliers and the general public. If a third party suffers bodily injury or damage to their property arising out of your business activities, including the actions of you or your employees, you may be held liable. The court can award significant compensation against you, the affect of which may be compounded by the impact on your time, your company's reputation and defence costs. QBE PUBLIC Cover will indemnify you for compensation awarded in court and the associated costs of defending the claim.
Products Liability Insurance
If your product causes bodily injury to, or damages the property of, a third party you may be held liable. Your case will be subject to the jurisdiction of the country in which the product was purchased. Not only will the manufacturing come under scrutiny; labeling, packaging, instructions, installation, service and other elements of the product can all be attributed blame. When a product causes damage, the right to take action is certainly not a right limited to citizens of the USA or other litigation-conscious countries. All over the world people can and do take action against manufacturing firms including importers they believe have been negligent. QBE PRODUCTS Cover will indemnify you for compensation awarded in court and costs associated with defending the claim, both of which may be substantial.
Combined General Liability Insurance
Liability may seem like a straightforward insurance risk today. But changing exposures can lead to unexpected and complex claims with daunting implications in terms of expense, time and reputation. QBE Combined General Liability combines both public and products liability and is the policy coverage purchased by many businesses from medium scale to the largest.
Even if you have taken all necessary precautions in the way your business is conducted and your products are manufactured, accidents can occur. Subsequent bodily injury and property damage claims against you can become a reality – especially if the accident is deemed to have been caused by your negligence.
The Cover policy wording can be tailored to help meet the needs of individual occupations, addressing the increasing complexity of industry specific exposures. Whether yours is a large or a small business you may need the advantages of this cover. It will help your business manage the impact of many legal liabilities which may arise from your business activities or from incidents involving the goods or services you provide.
Umbrella Liability Insurance
In the business world it pays to be prepared for the unexpected. That's why sound business managers ensure they have broad cover when it comes to liability. But liability claims can easily escalate. Business managers who recognise the need to top up their existing suite of liability covers can choose the added cover of a QBE Umbrella Liability policy; specifically tailored by QBE experts to sit over the existing coverage (not necessarily from QBE) to provide greater coverage. The policy can help address the differences between existing covers, helping to cover your business from liability.
Please visit the following countries' websites for more details on the products offered.
For countries not listed above, please send in your query through the respective countries' Contact Us pages under About QBE Asia or approach your local insurance broker or QBE authorised agent for assistance.
Important Notice: Not all the products are offered in all markets. Please check with your insurance broker or a QBE authorised agent for more details.