Employer liability, public liability, business interruption and specialist commercial covers explained.
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Showing 4 of 15 guidesEnvironmental Liability Insurance Explained
• Designed to cover pollution incidents, including clean-up and third-party claims • Often includes access to specialist environmental response teams • Can cover gradual pollution (depending on policy), which standard liability usually excludes • Regulatory investigations and remediation can be major cost drivers • Risk management and incident response planning materially affect outcomes
Deep DiveContract Works Insurance Explained
• Covers accidental loss or damage to works in progress (e.g. fire, flood, theft) • Often required by client contracts and main contractors • Cover should match the full rebuild/reinstatement cost of the project • Public liability is usually separate and still essential • Key exclusions include defective workmanship, gradual wear, and poor security
Deep DiveTrade Credit Insurance Explained
• Covers non-payment of invoices, typically due to insolvency or protracted default • Often includes access to credit checks, monitoring and debt collection support • You usually must follow policy credit limit and notification rules for claims to pay • Not the same as “professional indemnity” or “bad debt reserve” • Particularly valuable when you have customer concentration risk
Deep DiveManagement Liability Insurance Explained
• Management liability is usually a package: D&O + company cover + employment practices + sometimes crime/PI extensions • It protects individuals (directors/officers) and often the company (“entity cover”) • Defence costs can be a major driver—claims don’t need to be “true” to be expensive • Key exclusions often include fraud/dishonesty and known circumstances • The right limit depends on turnover, staff count, funding, contracts and sector risk