Fouress - Liability Insurance

Public Liability Insurance

Protection Against Legal Liabilities to the Public

Public Liability Insurance provides coverage for legal liabilities arising from injury or damage to third parties, including members of the public, due to your organization’s activities. This is critical for businesses and government bodies that interact with the public, operate large premises, or engage in events or projects with public exposure.

Third-Party Bodily Injury and Property Damage: Covers legal costs and compensation for injuries or damages caused to third parties on your premises or as a result of your operations.

Event and Venue Coverage: Essential for companies that organize public events or operate facilities open to the public.

Legal Defense Costs: Covers the legal expenses incurred in defending a claim, reducing the financial burden on your organization.

Public Sector Solutions: Tailored policies for government bodies and public institutions to manage liability risks in high-exposure areas.

Directors and Officers (D&O) Liability Insurance

Protection for Your Management Team

Directors and Officers Liability Insurance is designed to protect the personal assets of your senior management team in the event they are sued for decisions made on behalf of the organization. D&O liability covers legal costs, settlements, and damages resulting from allegations of wrongful acts, such as mismanagement, breach of duty, or failure to comply with regulations.

Coverage for Management Decisions: Protects directors and officers from personal financial loss due to lawsuits over managerial decisions.

Regulatory and Compliance Coverage: Covers legal expenses arising from investigations or enforcement actions by regulators.

Protection for Public and Private Entities: Suitable for large corporations, non-profit organizations, and government bodies.

Extended Coverage: Optional coverage for employment practices liability, covering claims related to wrongful termination, discrimination, or harassment.

Professional Indemnity Insurance

Safeguarding Against Professional Errors and Negligence

Professional Indemnity Insurance provides protection for organizations and professionals against claims of negligence, errors, or omissions in the provision of services. This is critical for industries where expert advice, consultancy, or professional services are provided, including legal, financial, IT, and engineering sectors.

Errors and Omissions Coverage: Protects your organization from financial losses resulting from mistakes or omissions in the professional services you provide.

Defense and Settlement Costs: Covers legal defense costs and compensation awarded to claimants.

Tailored Industry Solutions: Ideal for consulting firms, engineers, architects, lawyers, and financial services professionals.

Contractual Compliance: Ensures your organization meets the liability insurance requirements set forth in contracts and service agreements.

Employee Compensation Insurance

Employee Compensation Insurance, also known as Workers’ Compensation, provides mandatory coverage for medical expenses and lost wages in the event of employee injury or illness sustained while performing job-related duties. This coverage helps organizations meet their legal obligations to employees and protects against costly lawsuits.

Medical and Wage Compensation: Covers medical treatment, rehabilitation costs, and compensation for lost wages due to workplace injuries or illnesses.

Employer Liability Protection: Protects your organization from potential lawsuits filed by employees for work-related injuries or negligence.

Comprehensive Coverage for Large Workforces: Tailored solutions for large corporates and government bodies, ensuring compliance with labor laws and regulations.

Occupational Health and Safety Support: Assistance in managing workplace risks and promoting employee safety through proactive risk assessment.

Commercial General Liability (CGL) Insurance

Broad Liability Coverage for Your Business

Commercial General Liability (CGL) Insurance provides comprehensive coverage for a wide range of liabilities, including third-party bodily injury, property damage, and advertising injury. CGL policies are a cornerstone of corporate liability protection, ensuring your organization is safeguarded from claims arising out of everyday business operations.

Third-Party Bodily Injury and Property Damage: Covers liabilities arising from injuries to non-employees or damages to their property due to your operations.

Advertising and Personal Injury: Protection against claims of defamation, copyright infringement, or invasion of privacy arising from your marketing or advertising activities.

Premises and Operational Coverage: Essential coverage for businesses that own or lease commercial premises, protecting against accidents that occur on-site.

Flexible Coverage Limits: Customizable policy limits to suit the scale and risk profile of your organization.

Product Liability Insurance

Protecting Your Business from Defective Product Claims

Product Liability Insurance is designed to protect manufacturers, distributors, and retailers from legal liabilities arising from defective or harmful products. This is critical for businesses that produce or sell goods, ensuring financial protection against claims of bodily injury or property damage caused by your products.

Coverage for Defective Products: Protects against claims of bodily injury or property damage resulting from the use of your product.

Global Coverage: Essential for companies with international supply chains or global customers, offering protection against cross-border liability claims.

Recalls and Remediation Costs: Optional coverage for product recalls and the costs associated with fixing or replacing faulty products.

Legal Defense and Compensation: Covers the cost of defending your organization in court, as well as any compensation awarded to claimants.

Who Should Consider Liability Insurance?

Large Corporates: Protect your operations, employees, and products from legal liabilities, ensuring long-term business success.

Government Bodies: Safeguard public sector operations and officials from legal claims arising from day-to-day activities or regulatory duties.

Manufacturers: Ensure your products meet safety standards and are protected against claims of defects or injury.

Service Providers: From consultants to IT firms, professional indemnity ensures protection from claims of negligence or errors in service.

With our comprehensive Liability Insurance solutions, you can focus on driving growth and innovation while we take care of your risk management needs. Let us help you protect your organization from the unexpected.