Liability
Insurance
A popular Insurance product that provides protection against claims resulting from injuries to other people or property.
Trust KIN with your liability Insurance – protecting you against these claims.
Liability Insurance covers injuries and damage claims brought against your Business by a third party or employee – whether caused at your own workplace, a customer’s workplace or elsewhere.
These policies pay the third parties and not the policyholder, and claims can be expensive and run into thousands of pounds. With people more aware of their rights and the general “compensation culture”, it is important to note these policies can protect the general public, your staff (employed OR contractors) and also property – giving you robust cover and peace of mind.
Liability Insurance is vital for those who are liable and at fault for injuries sustained by other people or the insured company causing damage to someone else’s property or equipment.
If you are a Business owner – from sole traders, SME’s through to large Businesses – liability Insurance is a must have to protect you against defending claims and potentially damages awards as a result.
Liability Insurance is typically made up of three separate policies, which can be purchased individually as required and combined onto one:
Public
Liability
Insurance
Helps your Business cover the cost of claims from third parties for injury or loss.
Employer's
Liability
Insurance
EL Insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you.
Product
Liability
Insurance
Product liability Insurance covers the cost of compensating anyone who is injured by a faulty product that your Business designs, manufactures or supplies. This can also cover defective products.
Liability Insurance – benefits of using KIN:
- Large panel of liability Insurance insurers
- Protects against the legal costs of defending claims (e.g. solicitors and court hearings)
- Pays the claims / damages if liability admitted or judgement made
- A legal requirement if you have employees (direct employees or self-employed contractors)
- Tailored advice on policy type and monetary levels of cover required (up to £10m cover)
- In-house claims team to assist with any claims and liaise with insurer / legal team
- Optional Business interruption cover with Product liability
- Liability cover in and out of the workplace (including accidents/injuries driving)
- Indemnity Insurance available for mistakes and/or poor advice
- All liability polices can be combined onto one for further cost savings
KIN Insurance are Commercial Insurance experts and deal with Businesses large and small across the UK, covering numerous sectors and different Business types. You can trust KIN to source you the very best liability policy and are able to email or print these policies should you need to display them in public or show them as part of a tender.
Having a liability Insurance policy can also give you these additional benefits:
Competitive Premiums
Most Businesses are looking to save money in the current economic climate. KIN will work hard to source the most competitive premiums for you and often can get introductory discounts for our clients.
One Stop Shop
KIN provide the full suite of Commercial Insurance and can insure much more than just your liability Insurance requirements (e.g. Business vehicles, fleets, cyber Insurance etc). We can also provide Commercial combined Insurance to combine multiple policies onto one.
Competitive Premiums
The cost of defending claims has rocketed in recent years – as have liability settlements due to the cost of rising materials, wages and inflation – and you might be under insured. KIN will review your existing policies and recommend increased levels of cover if appropriate.
Expert Claims Representation
Have complete piece of mind that our consultants will thoroughly review your liability Insurance and leave no stone unturned to ensure you have complete protection for your Business.
If you’d like to learn more about us, please call 01903 238 889.
KIN
More than just an
Insurance Broker
KIN are much more than an Insurance Broker to our clients, we think of ourselves as Business advisors where their Insurances are concerned, building strong relationships with our clients over time and ensuring every aspect of their Business is covered with robust Insurance policies to securely thrive in the ever changing modern digital world.
As well as cyber Insurance, we can also provide all other Commercial Insurances, and are happy to provide quotations as your other Business Insurance policies become due for renewal.
Why Choose KIN Insurance
Strong relationships with
leading insurers
Our long standing excellent relationships with insurers means you will benefit for the very best policies available in the UK
A family Business, established
for 30 years
Quintessentially a family Business, that’s how we will stay. We are proud to be family owned and our clients really like it this way.
Bespoke service and
traditional values
Good ol’ fashioned personal, friendly and reliable service. A true people Business, you’ll love dealing with us.
Expert Insurance Brokers with knowledgeable consultants
We invest in our people to make sure we are the best that we can be. We will give you sound and independent advice in a consultative approach.
About KIN Insurance
Insurance is a people Business and that’s what KIN Insurance does best.
KIN Insurance (formerly Warwick Davis Insurance) is a Commercial Insurance Broker with its head office in Worthing.
Personal relationships and an in depth understanding of your Business – and hence your Commercial Insurance requirements – are at the heart of what we do and many of our clients have become friends over the years, with recommendations and word of mouth helping us to grow our Business.
KIN Insurance have a panel of leading UK Insurers and are confident we can source the most appropriate policy(s) for your Business – for sole traders, SME’s and large corporates, all clients large or small are important to us and we look forward to working closely with you over a period of years.
We have watched many of our clients grow their Business, products, services and premises over our 30 years’ trading and have taken immense satisfaction ensuring their Insurance cover matched their changing needs.
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