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United Kingdom
United Kingdom
Key definition
Liability insurance definition What does Liability insurance mean? Insurance that protects businesses against civil liabilities to third parties, including, in the case of employers’ liability insurance, claims by employees for work-related injury or disease. It is a market term used across multiple legal contexts rather than a single statutory definition, though particular classes are regulated by legislation (notably compulsory employers’ liability). Common forms include public liability, products liability, employers’ liability, professional indemnity and directors’ and officers’ (D&O) liability. Cover typically indemnifies damages, claimant’s costs and defence costs, subject to an indemnity limit, excess and standard exclusions (for example, deliberate acts, assumed contractual liabilities and pollution unless endorsed). Liability policies...
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UK product liability and product recall insurance: scope, triggers (claims-made/occurrence), exclusions, defence costs, notification and aggregation, guarantee/efficacy cover, and recall costs, business interruption and evidential requirements
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Practice notes
What is product liability insurance?
This cover indemnifies businesses for legal responsibility owed to end users of goods they make or supply. In general, such responsibility may stem from negligence (see: Donoghue v Stevenson), the strict regime under the Consumer Protection Act 1987 (CPA 1987), or contractual duties, whether express or implied by the Sale of Goods Act 1979, the Supply of Goods and Services Act 1982, or the Consumer Rights Act 2015. At its core, the policy responds to claims for personal injury or physical damage to property. It typically excludes loss to the faulty item itself and purely economic loss. This insurance is not mandatory and no single ‘standard form’ applies; numerous packaged options exist, frequently bundled with public liability and/or general liability insurance. Larger insureds with elevated risk, or those making or selling unusual goods, can obtain bespoke wordings. The essential focus is liability linked to injury or damage to property, rather than harm to the product itself or financial loss alone. Packaged options often sit alongside public and/or general liability, with bespoke wordings for higher-risk or unusual products too.
Product liability cover—scope of cover
Insuring clause
Whilst there is no uniform insuring clause in product liability...
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Web page updated on 22/05/2026
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Date [ date ] Parties [ name of Landlord ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Landlord) [ name of Tenant ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Tenant) [ [ name of Guarantor ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Guarantor) ] [ [ name of Mortgagee ] [ of OR incorporated in England and Wales (company registration number [ number ]) with its registered office at ] [ address ] (Mortgagee) ] Definitions Within this Deed, the terms below shall be interpreted as follows: [ Annual Rent • the annual sum reserved under the Lease; ] [ Insurance Rent • the Tenant’s share of the Landlord’s costs of insuring the Property (as set out in the Lease); ] Lease • the lease of the Property dated [ date ], entered into between (1) [ the Landlord OR [ name ...
I, [ name ], of [ address ], solemnly and sincerely state that: [ Matters to be verified, set out in numbered paragraphs ] I make this solemn statement in good conscience, believing it to be true, and pursuant to the provisions of the Statutory Declarations Act 1835. DECLARED at [ details ] this [ day ] day of [ month and year ] Before me ................................................................................ [ signature of the person before whom the declaration is made ] A [ commissioner for oaths OR [ solicitor OR [ insert other qualification ] ] authorised to administer oaths ]...
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