Broking Solutions

General Liability.

General Liability and Casualty solutions for brokers placing complex Liability risks across domestic, multinational, and multi-jurisdiction programmes.

From high-risk industries and distressed risks to layered excess structures and multinational placements, we help brokers secure Liability solutions through Lloyd's of London and international markets.
Talk to our Global Risk Solutions team
AUS - Construction and architecture - Header@2x
Benefits

Why SRG?

We support brokers by acting as an extension of their team, providing the technical expertise, market access, and placement capability required to structure and secure solutions for complex liability risks.

From standalone placements through to multinational programmes, layered excess structures, and complex risk transfer arrangements, we help brokers navigate challenging exposures, capacity constraints, and non-standard placement requirements.

Complex and high-risk Liability expertise

We support liability risks that fall outside standard insurer appetite, including distressed risks, challenging claims histories, high-hazard industries, and businesses with complex operational exposures.
UK - Roofing and scaffolding contractors@2x

International market access

Strong relationships across Lloyd’s of London and international markets, enables us to support placements ranging from straightforward liability risks through to multinational programmes and complex excess layer structures.
Lloyds of London-1

Structured and layered placements

Experience designing and placing primary, umbrella, excess, and multi-layer liability programmes tailored to the scale, geography, and exposure profile of each risk, including complex structures involving Captives and Mutuals.
Global - Legal - 1

Specialist high-risk liability facility

Our specialist high-risk liability facility provides access to specialist capacity for construction and contracting businesses operating in higher-risk environments.
Global - Construction - 16

Flexible placement solutions

Whether a risk requires a bespoke wording, coverage carve-out, non-standard structure, or tailored market approach, we work with brokers to develop solutions that reflect the specific characteristics of the risk.
Global - Legal - 18

Efficient and streamlined trading

A unified approach across our wholesale businesses makes it easier for broker partners to access liability expertise and market capacity.
UK - Sprinkler and suppression system contractors

Appetite Areas.

We support brokers placing liability risks across a wide range of sectors, including:
Asbestos contractors
UK - Asbestos removal contractors
Construction and contracting businesses
Global - Construction - 2
Engineers and engineering businesses
SG - Engineering workshops and fabrication plants
Health apps and digital health platforms
AUS - Digital health and software as a medical device @2x
Healthcare organisations with complex liability exposures
AUS - Allied health, community nursing and in-home clinical services
High-footfall leisure businesses
UK - Hotels and serviced apartments
Hospitality, food and beverage businesses
Global - Hospitality - 12
Importers and exporters
UK - Importers and exporters@2x
Labour hire companies
AUS - Packaging, printing and labelling manufacturers
Life sciences organisations
AUS - Healthcare and medical providers
Manufacturers and distributors
Global - Manufacturing - 5
Mechanical engineering businesses
UK - Plumbing, electrical, HVAC, and mechanical engineers
Medical device manufacturers
Global - Manufacturing - 7
Nutraceutical businesses
Global - Health - 7
Pharmaceutical companies
AUS - Pharmaceutical, chemical and life sciences manuf
Real estate and property owners
SG - Real estate, recruitment, and business services firms
Renewable energy operators
AUS - Resources, mining and energy explorers
Sleep clinics
Global - Health - 5
Sports clubs and leisure operators
AUS - Tournaments, competitions and sporting festivals
Staffing agencies
AUS - Recruitment and staffing agencies
Stevedores
Global - Marine - 4
Transport and logistics operators
SG - Retailers and wholesalers with transport operations-1
Waste and recycling operators
UK - Waste handling errors@2x
Asbestos contractors
UK - Asbestos removal contractors
Construction and contracting businesses
Global - Construction - 2
Engineers and engineering businesses
SG - Engineering workshops and fabrication plants
Health apps and digital health platforms
AUS - Digital health and software as a medical device @2x
Healthcare organisations with complex liability exposures
AUS - Allied health, community nursing and in-home clinical services
High-footfall leisure businesses
UK - Hotels and serviced apartments
Hospitality, food and beverage businesses
Global - Hospitality - 12
Importers and exporters
UK - Importers and exporters@2x
Labour hire companies
AUS - Packaging, printing and labelling manufacturers
Life sciences organisations
AUS - Healthcare and medical providers
Manufacturers and distributors
Global - Manufacturing - 5
Mechanical engineering businesses
UK - Plumbing, electrical, HVAC, and mechanical engineers
Medical device manufacturers
Global - Manufacturing - 7
Nutraceutical businesses
Global - Health - 7
Pharmaceutical companies
AUS - Pharmaceutical, chemical and life sciences manuf
Real estate and property owners
SG - Real estate, recruitment, and business services firms
Renewable energy operators
AUS - Resources, mining and energy explorers
Sleep clinics
Global - Health - 5
Sports clubs and leisure operators
AUS - Tournaments, competitions and sporting festivals
Staffing agencies
AUS - Recruitment and staffing agencies
Stevedores
Global - Marine - 4
Transport and logistics operators
SG - Retailers and wholesalers with transport operations-1
Waste and recycling operators
UK - Waste handling errors@2x

Covers available.

Placements are structured around the specific requirements of each risk. Typical covers we look at for general liability include: 

 
SG - Main contractors and subcontractors

Public Liability

Covers available

Placements are structured around the specific requirements of each risk. Typical covers we look at for general liability include:
Talk to our Broking Solutions team
Public Liability
public-liability-insurance-1
Employers' Liability
UK - Liability Claims@2x
Products Liability
UK - Product and liability exposure@2x
Environmental Impairment Liability
UK - Environmental liability@2x
Pollution Liability
UK - Pollution and environment liability@2x
Excess Employers' and Public Liability
SG - Governance and Framework Development@2x
Umbrella Liability
SRG - General office imagery 10
Contractors All Risks
UK - Risk management insight
Non-negligence (JCT)
AUS - Owners of mixed-use developments
Medical Malpractice
AUS - Healthcare and medical providers
Product Recall and Contaminated Products Insurance
AUS - Processing plants and production facilities
Malicious Product Tampering
AUS - Product defect and quality failure@2x
Crisis Response
UK - Specialist sector knowledge@2x
Defective Product Cover
SG - Commercial property owners and landlords
Construction Liability
SG - Specialist construction and engineerin@2x
Group Personal Accident and Travel
UK - Guest injury and on-site accidents@2x
Contingency Risks
UK -Risk management for high-exposure activities@2x
Complex liability structures, including Captives and Mutuals
UK - UK non-domiciled individuals
Reverse Flow placements for Employers' Liability, Motor, Engineering Inspection, Group Personal Accident and Travel
UK - Labour shortages@2x
Public Liability
public-liability-insurance-1
Employers' Liability
UK - Liability Claims@2x
Products Liability
UK - Product and liability exposure@2x
Environmental Impairment Liability
UK - Environmental liability@2x
Pollution Liability
UK - Pollution and environment liability@2x
Excess Employers' and Public Liability
SG - Governance and Framework Development@2x
Umbrella Liability
SRG - General office imagery 10
Contractors All Risks
UK - Risk management insight
Non-negligence (JCT)
AUS - Owners of mixed-use developments
Medical Malpractice
AUS - Healthcare and medical providers
Product Recall and Contaminated Products Insurance
AUS - Processing plants and production facilities
Malicious Product Tampering
AUS - Product defect and quality failure@2x
Crisis Response
UK - Specialist sector knowledge@2x
Defective Product Cover
SG - Commercial property owners and landlords
Construction Liability
SG - Specialist construction and engineerin@2x
Group Personal Accident and Travel
UK - Guest injury and on-site accidents@2x
Contingency Risks
UK -Risk management for high-exposure activities@2x
Complex liability structures, including Captives and Mutuals
UK - UK non-domiciled individuals
Reverse Flow placements for Employers' Liability, Motor, Engineering Inspection, Group Personal Accident and Travel
UK - Labour shortages@2x

High-risk Liability facility.

Our specialist facility is designed for construction and contracting businesses operating in higher-risk environments, including:
Roofers
UK - Roofing and scaffolding contractors@2x
Scaffolders
Global - Construction - 7-1
Demolition contractors
UK - Plant hirers
Asbestos contractors
UK - Asbestos licence holders restricted to supervisory work@2x
Civil engineering contractors
UK - Civil engineers and groundworkers
Environmental consultants
UK - Environment liability and land legacy@2x
Groundwork, shuttering, formwork and reinforced concrete frame contractors
SG - Specialist construction and engineerin@2x
Muck-away contractors
SG - Project and contract review@2x
Plant hire companies and associations
AUS - Artificial intelligence and machine learning companie
Rail contractors
UK - Rail contractors
Tunnelling contractors
Global - Construction - 19
Waste disposal and site remediation specialist
Global - Construction - 17
Roofers
UK - Roofing and scaffolding contractors@2x
Scaffolders
Global - Construction - 7-1
Demolition contractors
UK - Plant hirers
Asbestos contractors
UK - Asbestos licence holders restricted to supervisory work@2x
Civil engineering contractors
UK - Civil engineers and groundworkers
Environmental consultants
UK - Environment liability and land legacy@2x
Groundwork, shuttering, formwork and reinforced concrete frame contractors
SG - Specialist construction and engineerin@2x
Muck-away contractors
SG - Project and contract review@2x
Plant hire companies and associations
AUS - Artificial intelligence and machine learning companie
Rail contractors
UK - Rail contractors
Tunnelling contractors
Global - Construction - 19
Waste disposal and site remediation specialist
Global - Construction - 17

Key extensions include:

  • Asbestos (bodily injury, licensed and non-licensed)

  • Asbestos accidental discovery
  • Environmental statutory liability costs
  • Contingent Motor Liability
  • Defective Premises Act 1972
  • Compensation for court attendance
Global - Construction - 2-1
We’ve got you covered

Related products and covers

Our approach is tailored to each business we work with. Typical covers we look at for hospitality businesses include:
Speak to a Specialist

Property All Risk

Protection for buildings, contents, fixtures, fittings, and operational assets.
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Public and Products Liability

Cover for guest injury, illness, or third-party property damage.
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Business Interruption

Protection for lost revenue following insured damage or disruption.
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Employers’ Liability/Workers Injury Compensation

Cover for employee injury or illness arising from their work.
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Cyber insurance

Protection against cyberattacks, data breaches, payment fraud, and system outages.
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Employment Practices Liability

Protection against claims relating to workplace disputes, discrimination, or misconduct.
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Specialist Restaurant and Hotel Programmes

Including insurance for hotels and tailored private insurance coverage for restaurants operating single or multiple locations.
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Frequently Asked Questions.

Approach our team when a liability risk is complex, high-risk, falls outside standard insurer appetite, requires excess layer structures, multinational programme design, or would benefit from access to Lloyd's of London or international markets.

Speak to a specialist.

You can easily contact us by filling out the form. Once you have submitted your enquiry, one of our friendly colleagues will reach out to you.