General liability (or public liability) insurance protects against claims for physical harm or property damage caused to third parties. It’s essential for tech firms engaging with clients, visitors, or hardware.
Covers medical expenses and compensation if a visitor is injured in your office.
Pays for damage caused to a client’s property during your work.
Protects you if hardware or devices you sell cause injury or damage.
Covers legal fees, even if you’re not at fault.
Even if your business is cloud-based, physical risks still exist. This cover shields you from expensive claims.
While installing a server at a client’s office, your engineer accidentally knocks over and damages valuable equipment. General liability insurance covers the repair costs and legal defence if the client sues. It’s a classic public liability claim, where someone else’s property is damaged during your work.
This doesn’t cover financial losses from professional mistakes (that’s Professional Indemnity (PI)) or data breaches (cyber insurance). It’s about protecting against physical risks.
From SaaS firms to IoT device manufacturers, tech companies face everyday risks:
We’ve reviewed countless policies where growing tech firms didn’t realise they needed this cover– until it was too late.
You’ll likely need it if:
We explain where general liability fits in with your other covers.
We’ll get proof of cover sorted quickly if it’s contractually required.
We’ve helped tech firms avoid overlaps or gaps between liability, PI and cyber policies.
Let’s take a quick look at your current policy and flag any gaps. No jargon, no pressure.
