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Liability Insurance

Helping to provide wide ranging protection against third party claims

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Liability Insurance

Insurance to help protect your business against third party claims

In a broad sense, Liability Insurance covers you for claims made due to injury to another person and/or damage to property. These types of policies usually cover the legal costs associated with defending claims, plus potential payouts if you are found to be legally responsible.

Most businesses will require some form of liability insurance, the exact type being dependent on what you do. It’s worth noting that it won’t cover intentional damage or a breach of contract.

Your QMT Commercial insurance advisor can help you to decide exactly what type and how much Liability Insurance is right for you to help protect your business, although Employers’ Liability is a legal requirement for the majority of employers.

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WHY CHOOSE US

We're here to help

With over 25 years of experience, we are a trusted broker offering commercial insurance solutions. Our dedicated team in Kent works diligently to connect you with a suitable insurer from our panel, finding you the coverage you need at a competitive rate.

Independent and impartial advice

At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence empowers us to deliver impartial advice and access a diverse array of insurers, ensuring we can help secure the most suitable policies for your business requirements.

An experienced broker

With over 25 years of experience in the insurance industry, QMT Commercial has the knowledge and experience to navigate the complexities of business insurance. Our approachable team of insurance advisors are here to help guide you through the quotation process.

Don’t just take our word for it

When choosing a new insurance broker, you’ll want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

Flexible payment options available

For those who prefer not to pay their insurance policy in full upfront, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost over the year with convenient monthly direct debits.

Customers are our top priority

QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.

UK Regulated by the FCA

As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.

QMT Commercial is a UK based, Proudly Independent Insurance Broker.

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What are the main features of a Liability Insurance Policy?

Liability Insurance helps to safeguard businesses from financial losses arising from claims of negligence or wrongdoing. It can cover legal expenses, settlements and judgements awarded to third parties who suffer injuries or property damage caused by the insured's actions or oversights.

Main Features

  • Can include various liability insurance types such as Public Liability, Employers Liability and Products Liability. Depending on your business, Employers’ Liability is usually a legal requirement in the UK.
  • Typically covers legal defence costs, related expenses and the compensation payout made to the claimant if their proceedings are successful.
  • Helps to protect against financial losses including bankruptcy.
  • Can cover a wide range of business types and sizes.
  • Can cover a variety of risks including high-risk activities (such as working with heat/heights) – this should be discussed with your insurance advisor as some policies may exclude such activities as standard.

Get a FREE Quote

Fill out the form below to get the quotation process underway, one of our specialist broking team will then do the rest for you by conducting a comprehensive market review in order to obtain the best prices and cover for you.

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