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Casualty Insurance

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Protection from the unexpected

Protection from the numerous and sometimes complex liabilities that businesses face.

Our casualty insurance gives your company protection against a wide range of unwanted risks. We protect against injury to a third party caused by your business operations or products, and injury to your employees caused by an accident or disease. Casualty insurance is vital for handling accident-related losses – like employers’ liability – that can hamper your performance and growth.

Risks we cover

We can safeguard your operations against liabilities like these:

  • Bodily injury: A customer trips over a step in your retail store and injures themselves
  • Personal and advertising injury: A competitor believes your most recent ad campaign infringes on their intellectual property
  • Excess liability: A customer is awarded a large judgement in a lawsuit against you, and the damages you must pay go beyond the limits of your standard business insurance policy 
  • Property damage: Your landscaping company damages a client’s driveway in the course of a project
  • Employers' liability: A steel beam falls on an employee and breaks their foot, making you responsible for their medical costs and loss of earnings
  • Multinational liability: Your business is based in the UK and operates overseas, but you must make sure you’re covered for local requirements under those overseas territories 

Construction insurance intelligently tailored for the industry’s changing challenges

We know construction firms and owners face increasingly complex and evolving risks, thanks to constant expansion and technological innovation. We provide specialised coverage, design robust risk management programmes, and help you develop your safety culture – whether you’re an individual contractor or a principal business owner. 


Access to a unique training platform

Chubb’s Health and Safety eLearning platform offers free, fully accredited online training modules to all Chubb employers’ liability clients across the UK. Each modules provides practical know-how for tackling job-related health and safety and workplace wellbeing issues.

Products & Services
Products & Services

Chubb products deliver casualty cover for your business liability needs

Public/Products Liability

Covers you for your liability to pay claims made by your customers, contractors, and other parties; resulting from damage or injury caused by your products or operations.

Employers’ Liability

Covers you and your business for compensation costs if an employee becomes ill or injured following an accident while undertaking their duties. 

General Liability for Multinational Businesses

A multinational programme involves a master policy originated in the UK alongside local country policies. The UK master policy includes top up cover to reflect the local terms and conditions required for each country.

Excess Liability

Provides additional protection that may be needed when the underlying liability limit of your primary insurance policy isn’t enough to cover the unexpected costs of a loss.

Why Chubb?
Why Chubb?

We understand casualty insurance – and we care about your business

Whether your business is big or small, takes you around the world or just around town, Chubb is there for you. Our breadth of experience in casualty insurance means we can provide the guidance and service you need, whenever you need it, wherever you may be.


Partnership that’s personal 
We work to understand your business and where you’re heading so we can be proactive about meeting your needs. We invest in getting to know you, your team and your customers. The goal: to help you see ahead, be ahead and stay ahead.

Creative problem-solving
Insurance isn’t one-size-fits-all – and neither is our approach. Our playbook is always evolving because we’re always helping clients avoid risk in smarter ways. That means we bring the latest thinking and a fresh perspective to solving your challenges.

Unmatched expertise and financial strength
We’ve served clients and partnered with leading organisations for more than 200 years. Our longevity, expertise and financial strength are the bedrock of our business. 



Chubb have been writing construction business for over 60 years.

Technical Lines Manager UK&I, Kevin Lutz and Alex Forman, UKISA Casualty Manager shares insights into why some of our construction clients have been with Chubb for many years. 

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Download our construction infographic to learn more about our solutions


Commercial casualty insurance helps ensure your business is covered for any costs or damages to third parties on your property or caused by your products and services. This could involve, for example, a customer who slips and falls in your business premises, an employee who is injured while working, or a job site error that damages a client’s property.

While the two terms are sometimes used in similar ways, commercial casualty insurance is a broader category that includes coverage for the many types of liabilities your business could face.


Talk to one of our experts

Northern region - Rob Moores

London region – Ben Hodgson

Midlands region – Chris Fletcher