Liability Insurance


Mercantile Insurance Broker can offer advice and arrange cover for a number of risk areas under this type of insurance.

Employers Liability Insurance

Employers Liability Insurance provides protection to an employer from liabilities, disease, fatality or injury to employees resulting from workplace conditions or practices.

Property Owners Liability

This insurance enables you to meet any costs and damages awarded to a member of the public if they suffer an injury following an accident on, or linked to, your premises.

Environmental Impairment

Negligent acts and/or omissions by the individual(s) and the organisation(s) resulting in damage to the environment. For example, pollution of the environment suits against manufacturers etc are quite common today.


Indemnity to the Insured in respect of any expense, liability, loss, claim or proceedings which the employer may incur or sustain by reason of damage to any property damaged by collapse, subsidence, heave, vibration, weakening or removal of supports, flooring of ground water occurring during the period of insurance and arising out of or in the course of or by reason of the carrying out of the works.

Legal Expenses (employment disputes)

Provides cover for the expenses of defending or prosecuting specified categories of a claim in relation to:

  • Employers cover, including employment disputes
  • Goods or services contract cover
  • Property legal protection including tenancy disputes
  • Debt recovery
  • Motor vehicle protection
  • Tax and VAT
  • Debt recovery

Public Liability Insurance

Public Liability insurance Provides Cover for your legal liability for loss or damage to property belonging to a third party or injury to third parties resulting from your business. This usually includes cover for legal costs and expenses.

Directors & Officers Liability Insurance

Directors and Officers Liability Insurance provides liability coverage for wrongful acts of a board of directors (or similar group) of a corporation.

Employment Practices Liability

Protects employers against claims that an employee’s rights were violated.

Products Recall

Cover for the expenses incurred by a business resulting from the recall of products, whether they are defective or not.

Excess Liability (Employers/Public/Products Liability)

It is possible to increase the limits of indemnity provided by the arrangement of an excess liability policy at limits to be agreed/required.

Cyber /e-commerce / Internet Liability

Provides cover for Defamation, loss through virus attack, unauthorised access / data protection and infringement of intellectual property rights.

Professional Indemnity Insurance

Provides cover for claims brought against the policy holder due to their professional negligence. Cover may be extended to include libel and slander.

Libel & Slander

Provides cover for permanent form defamation such as in writing or broadcast on television or radio. Also provides cover for defamation in a spoken form.

Pensions Trustees Liability Insurance

Protection for the trustees, employees and the employer company and the fund against claims brought for actual or alleged wrongful acts in relation to a plan including cover for the costs of defending the action.

Products Contamination

Insurance designed to provide coverage not only for the financial loss arising from a contamination but also for a crisis management service to assist policyholders prepare for and respond to a crisis.

Products Guarantee

Designed to protect you from the failure of your products to perform as they have been guaranteed to do. Cover provides for the costs of repairing or replacing products and the direct consequential losses arising out of a defective or harmful product or a product which does not fulfill its intended purpose.

Terrorism Liability

Provides cover for Property Owners against potential losses and liabilities that might occur due to terrorist activities. Normally Property policies exclude Terrorism cover.