Liability in Numbers
£16K
Average cost of an SME claim
1 in 2
firms will have a claim in their life time
£16bn
UK market size by premium
Liabilities
Liability insurance refers to a broad category of business insurance that protects organisations against their legal liability to others — covering injury to people, damage to property, or illness arising from business activities, premises, employees, or products.
Protect your people. Defend your liabilities. Ensure operational continuity.
In today’s commercial environment, even routine business activities can give rise to injury, property damage, or third-party claims. Whether you're running a site, supplying goods, hosting clients, or employing staff, one serious accident or legal dispute can disrupt your operations and cost thousands.
Casualty insurance — which includes Public Liability, Products Liability, and Employers’ Liability — forms the foundation of your business’s legal and operational risk protection.
What Does Casualty Insurance Cover?
Public Liability (PL)
Covers your legal liability if someone is injured or their property is damaged as a result of your business activities.
Example: A client trips over trailing wires in your office and sues for injury and lost income.
Products Liability
Covers injury or property damage caused by products you manufacture, sell, supply or install — even if you didn’t make the item.
Example: A product you supplied overheats and causes fire damage. You are held responsible as the distributor.
Employers’ Liability (EL)
Covers injury, illness, or death claims from employees — whether caused by accident, unsafe work practices, or long-term exposure.
Example: An employee develops repetitive strain injury from poor workstation setup and brings a claim.
Legal Defence & Investigation Costs
Most casualty policies cover legal fees incurred in defending claims, HSE investigations, or compensation proceedings.
Why Work With WK Professional Risks
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Access to A-rated UK and Lloyd’s insurers for competitive, tailored liability cover
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Advice on limits, business interruption indemnity periods, and risk management
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Fast claims handling and ongoing policy support
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Experience insuring everything from single offices to multi-site operations