Liability Insurance
Cover for your legal liability to other people, for injury, damage or loss.
When someone holds you responsible
Liability insurance pays the sums you become legally liable to pay to a third party, and the legal costs of the claim. The payout goes to the person who suffered the loss. We arrange it with insurers in the Maldives.
Types of liability cover
Public Liability
Injury to, or illness of, any person, and loss of or damage to their property, arising from your business.
Product Liability
Injury or damage caused by products you manufacture, supply or sell.
Professional Indemnity
Claims by clients for loss arising from a professional service. For architects, engineers, auditors, lawyers and doctors.
Directors and Officers Liability
Claims against your directors and officers: damages, settlements and the cost of defending lawsuits.
Employers Liability
Claims from a worker’s job-related injury or illness that workers’ compensation does not cover.
Events Liability
Accidental injury or property damage to third parties during events, exhibitions or public gatherings.
What public liability covers
- Compensation you are legally liable to pay for bodily injury to, or illness of, any person
- Compensation you are legally liable to pay for loss of or damage to property
- Litigation costs and expenses recovered by a claimant
- Litigation costs and expenses incurred with the insurer’s written consent
Optional extensions
- Liability arising from water sports activities
What is not covered
- Liability you take on by agreement, which would not have attached without it
- Loss of or damage to your own property
- Pollution or contamination
- Nuclear and radioactive risks
- War
Other exclusions apply, as set out in the policy terms and conditions.
Two things worth knowing first.
- Each type of liability is a separate policy, with its own terms and exclusions
- Cover applies within a set territory. For public liability this is usually the Republic of Maldives
For a quote
Send us three things.
- Your company registration certificate
- What your business does, and where
- For employers liability, a list of employees. For directors and officers liability, details of your directors and officers
Common questions
- What does public liability insurance cover?
- Compensation you are legally liable to pay for injury to, or illness of, any person, and for loss of or damage to their property, arising from your business, plus the legal costs of the claim. The payout goes to the person who suffered the loss.
- What types of liability insurance can Seguro arrange?
- Public liability, product liability, professional indemnity for architects, engineers, auditors, lawyers and doctors, directors and officers liability, employers liability, and events liability. Each is a separate policy with its own terms.
- Does liability insurance cover my own property?
- No. Loss of or damage to your own property is excluded, as are liabilities you take on by agreement, pollution, nuclear risks and war. Public liability cover usually applies within the Republic of Maldives.
How to claim
Tell us
Contact our Claims Hotline or email us as soon as a claim arises.
We guide you
We advise you on documentation and communicate with the insurer.
We follow it through
We monitor the claim’s progress and check the settlement is in line with your policy entitlements.
This page is a summary. Cover is subject to the terms, conditions and exclusions of the insurer’s wording, which prevails. Seguro is a broker and arranges cover with the insurer.
