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A Little Law

Knowing a Little Law

Liability insurance provides cover for claims made against an individual or organisation arising out of a loss or damage sustained by a third party and recognised by law.

In law, a person/organisation is legally liable when they are financially and legally responsible for something. Legal liability concerns both civil law and criminal law. Legal liability can arise from various areas of law, such as contracts, tort judgments or settlements, taxes, or fines given by government agencies.

Typically insurance covers liability arising from negligent torts (actions) rather than intentional wrongs or breach of contract.

Payments under your liability policy are not automatic. Your insurance company will only make a payment to a third party if you are found to be legally liable based on negligence. Legal representation is typically covered under liability policies to provide any necessary defense on your behalf. You can, therefore, relax knowing that we have your back!

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