Third-party exposure.
WHEN THIS ARISES
Someone is injured on your premises Your work causes damage or injury A product you sold causes harm Your advice or service causes financial loss
WHAT COVER TYPICALLY ADDRESSES
Public liability, for injury and damage Professional indemnity, for financial loss from professional services Product-related cover, for goods
WHAT TO ESTABLISH
Which applies to your activity Whether customers require evidence of it
WHAT REDUCES THE RISK
Safe premises Competent work Clear instructions and warnings with products Written scope, so obligations are bounded
THE SCOPE POINT
Vague obligations produce claims about things you did not agree to do.
WHAT TO DOCUMENT
What you did, and to what standard Any instructions or warnings given Any issue you raised with the customer
WHAT TO DO IF SOMETHING HAPPENS
Record everything immediately Notify your insurer promptly Do not admit liability before advice
THAT LAST POINT
Policies frequently require it.
