Overview
Overview
While no two businesses are alike, every business has an exposure to liability. Some risk the liability of a customer being injured on their premises. Others may risk a product malfunction interrupting business operations. With decades of experience and a broad risk appetite, AXIS can offer our general liability insurance for many different kinds of standard, niche and specialist businesses in the U.K., as well as in select international locations.
Working closely with brokers to identify their client’s exposures, we can then offer solutions to meet their unique and specific needs. Along with primary insurance, scheme-based coverage is available. We also offer excess coverage and have capacity for facultative reinsurance agreements. In the event of a claim, AXIS has a large international database of expert witnesses and specialist lawyers and loss adjusters from which to draw.
Individual or scheme-based primary coverage
Reputation for swift service and efficient claims handling
International coverage in select markets
SOLUTIONS
Solutions
Employees may turn to courts for redress where they believe their employer has been negligent resulting in injury. AXIS statutorily compliant U.K. employers liability cover is designed to protect against the cost of defending a claim, as well as damages that may arise.
General liability policies have limits—and those limits may not protect against catastrophic losses. AXIS has the capacity to provide this important excess coverage for public, products and employers liability claims. AXIS Excess of Loss Insurance covers the costs of litigation and damages, above the primary liability policy.
In today's litigious environment, any company can be held liable for personal injuries or property damage, no matter how remote the company’s product or service is related to the injury or damage. AXIS Product Liability Insurance policies can protect clients against litigation and costs for damages related to design flaws and manufacturing defects or errors.
A requirement in many business contracts, AXIS Public Liability Insurance underwriters write policies around the specific risks a business's operations pose to the public. Our policies make sure clients have coverage for their daily business.
Employees may turn to courts for redress where they believe their employer has been negligent resulting in injury. AXIS statutorily compliant U.K. employers liability cover is designed to protect against the cost of defending a claim, as well as damages that may arise.
General liability policies have limits—and those limits may not protect against catastrophic losses. AXIS has the capacity to provide this important excess coverage for public, products and employers liability claims. AXIS Excess of Loss Insurance covers the costs of litigation and damages, above the primary liability policy.
In today's litigious environment, any company can be held liable for personal injuries or property damage, no matter how remote the company’s product or service is related to the injury or damage. AXIS Product Liability Insurance policies can protect clients against litigation and costs for damages related to design flaws and manufacturing defects or errors.
A requirement in many business contracts, AXIS Public Liability Insurance underwriters write policies around the specific risks a business's operations pose to the public. Our policies make sure clients have coverage for their daily business.
Capabilities
- Claims-made and occurrence policies
- Standard public and products cover worldwide, excluding North America
- Statutorily compliant U.K. employers liability insurance
- Admitted and non-admitted policies
- Excesses can be as low as £500 (nil for U.K. employers liability)
- Up to £10 million maximum limits of liability
- £3,000 usual combined minimum premium (NIL for U.K. employers liability)
Target Classes
- Bus and coach operators
- Cardboard and rubber
- Care homes
- Clerical and professional
- Clothing manufacturers
- Contract cleaners
- Electronics
- Food and drink processors
- Furniture manufacturers
- Haulers
- Hotels and restaurants
- Light engineering and manufacturing
- Metal workers
- Paper and pulp producers
- Plastics
- Printers and publishers
- Property owners
- Recycling
- Renewable energy
- Retailers and wholesalers
- Schools and colleges
- Specialist contractors
- Warehousing
- Wholesalers
Optional coverages
- North American jurisdiction for exports
- Financial loss
- Incidental errors and omissions
Claims
We deliver on our promises
Effective resolution for customers is achieved with our highly skilled claims specialists focusing on:
- Quick decision making
- Championing your needs
- An honest approach
∗Claims examples may be based on actual cases, composites of actual cases or hypothetical claim scenarios and are provided for illustrative purposes only. Facts have been changed to protect the confidentiality of the parties. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued and applicable law.
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