Casualty Insurance

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

Products & Services

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.

Protection from the unexpected

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

Bodily injury

A customer trips over a step in your retail store and injures themselves.

Property damage

Your landscaping company damages a client’s driveway in the course of a project.

Personal and advertising injury

A competitor believes your most recent ad campaign infringes on their intellectual property.

Employers' liability

A steel beam falls on an employee and breaks their foot, making you responsible for their medical costs and loss of earnings.

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.

Multinational liability

Your business is based in the Republic of Ireland and operates overseas, but you must make sure you’re compliant with local requirements in those overseas territories.

Achieving excellence in Casualty claims management

In the realm of liability claims, effective claims management is crucial due to the inherent complexity of these cases. Factors such as the nature of the incident, policy coverage issues, and the involvement of multiple parties can complicate the claims process. Liability claims often involve complex allegations such as negligence, product defects, or breach of contract. These claims can be intricate to investigate and resolve, especially when significant damages or severe injuries are involved. Incidents with multiple causes or evolving situations, like environmental damage, require thorough investigation and negotiation to determine the extent of liability.
 

Having a knowledgeable and proactive claims team is essential to navigating these complexities. Chubb’s experts work closely with clients and brokers, asking the right questions and exploring all aspects of coverage to achieve the best possible outcomes. Their collaborative approach helps maintain brand integrity and keeps clients informed at every stage, providing reassurance and clarity even in challenging circumstances.

Resources

FAQs

Commercial casualty insurance helps ensure your business is covered for any costs or damages arising as a result of your legal liabilities 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.

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