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Business liability – when you’re legally responsible

While every business is different, one thing is for certain – they all involve people to some extent. From customers to employees, to the general public, you need the cover that protects you when things go wrong and you’re legally obliged to make it right.

Browse below to find out more about each of our business liability cover options. And remember, we are ready to help you create the perfect, customised solution to match your specific needs.

Public liability insurance

When you are legally liable to compensate for anybody else’s suffering as a…

When you are legally liable to compensate for anybody else’s suffering as a result of interacting with your business, public liability insurance has you covered.

As standard, we provide cover against:

Damages that your business is legally liable to pay if someone suffers accidental death, bodily injury, illness or accidental loss/damage to their property.

Get optional cover against:

Wrongful arrest and defamation.
Liability caused by products sold or supplied (including wrongful delivery and incorrect goods)
Defective workmanship.
Damage or bodily injury caused by the spread of veldfires or forest fires.
Legal defence costs of any criminal action brought against your business or employees.

Motor liability

This enables you to enjoy cover should one of your employees cause an accident while…

This enables you to enjoy cover should one of your employees cause an accident while using someone else’s vehicle on behalf of your business.

As standard, we provide cover against:

Damage or loss resulting from an employee using a third party’s vehicle.
Damage or to a resulting from an employee moving a third party’s vehicle on your premises.

Employers liability insurance

Your employees are vital to the operation of your business. And they deserve to be…

Your employees are vital to the operation of your business. And they deserve to be insured while under your employment.

As standard, we provide cover against:

Damages that your business is legally liable to pay if an employee suffers accidental death, bodily injury or illness while employed.

Why choose to insure your business with OUTsurance?

Tailored solutions

Specialist and specific insurance, matched to your unique business needs.

True value

A unique premium that is based on your business’ risk factors, so you’re not subsidising higher risk clients.

Low, flat excess

One fixed excess amount, even if you claim for multiple risks in one incident– no surprises that can threaten your cashflow.

OUTbonus (standard feature)

After three claim-free years, you get 10% of your total premiums paid back in cash to boost your bottom line.

Emergency assistance

24/7 Help@OUT office and roadside assistance, giving you peace of mind, always.

Business OUTsurance Brokers come to you

Depending on the complexity of your business, you may qualify for a dedicated Business OUTsurance Broker. Not only will this insurance professional help you navigate your unique needs to create your custom solution, they will become your on-going, single point of contact.

To connect with a Business OUTsurance Broker, you’ll need to start a quote.

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