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Liability insurance

Personal and professional liability cover.

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Liability insurance
ALPE · INSURANCE ADVICE

Coverages and options to consider

These topics come from ALPE’s original insurance pages. We can review them with you; availability, limits, exclusions and prices depend on the insurer and the specific policy.

Professional liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Professional liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Public and business operating liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Public and business operating liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Employer’s liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Employer’s liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Product liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Product liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Legal defence and protection

For legal protection, review which disputes and proceedings are covered, the right to choose a professional, allowable costs and limits per case. What is being assessed? This section concerns “Legal defence and protection”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Tenant liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Tenant liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Professional liability, Public and business operating liability and Employer’s liability. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
ALPE · INSURANCE ADVICE

How we find the right protection

  1. We listen to your needs
  2. We compare options and terms
  3. We help you choose and arrange cover

Are all these benefits included?

Not necessarily. Coverage, insured amounts, excesses and exclusions depend on your policy terms. Ask for a personalised review before deciding.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.

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