Protection against third-party injury, property damage, and legal liabilities arising from your business activities.
Protection against third-party injury, property damage, and legal liabilities arising from your business activities.
Specialist Risk Group (SRG) structures General/Public Liability programmes that reflect the unique operational exposures of your business. Working with leading insurers in Singapore and across the region, we deliver responsive, fit-for-purpose protection that safeguards your organisation when accidents, allegations, or unexpected incidents occur. From premises-related risks to product liability and contractual obligations, our consultative approach ensures your coverage aligns with your activities, risk appetite, and regulatory requirements.
General Liability, also known as Public Liability, protects businesses from the financial consequences of accidental third-party injury or property damage arising from day-to-day operations. With customers, contractors, and the public interacting more frequently with business premises and services, even low-severity incidents can result in costly claims, legal disputes, and reputational implications. Coverage provides essential defence and indemnity support, helping businesses operate with confidence and meet contractual or compliance obligations.
Protection against claims arising from accidental injury to customers, visitors, contractors, or members of the public.
Cover for accidental damage to third-party goods, buildings, or assets caused by your operations.
Indemnity for injury or damage caused by products you manufacture, sell, supply, or distribute.
Protection for claims arising after your work has been completed and handed over.
Indemnity for costs from accidental damage to leased premises for businesses operating out of rented facilities.
Cover for legal representation, investigation, and defence arising from covered claims.
Available enhancements such as cross-liability, contractor liability, or additional insured requirements.
General/Public Liability insurance is suitable for businesses interacting with customers, suppliers, or the general public, including:
Our approach is tailored to each business we work with. Other products and covers we can arrange that may support your business include:
Comprehensive protection for buildings, equipment, stock, and physical assets against accidental loss or damage.
Protection for lost revenue and operating costs when physical damage or an insured event disrupts business operations.
Mandatory employee injury cover providing statutory benefits for workplace accidents, illness, or death.
Protection for commercial vehicles and fleets against accidental damage, liability exposures, and operational disruption.
Protection against cyberattacks, data breaches, ransomware, and digital disruptions to business operations.
Protection against claims arising from professional advice, design, consultancy, or service-related errors.
General Liability, also known as Public Liability, protects businesses against claims for third-party bodily injury or property damage arising from day-to-day business activities, premises operations or products supplied.
General/Public Liability insurance is not legally mandatory in Singapore, but it is often required under commercial contracts, lease agreements and client arrangements, and is considered essential risk protection for most businesses.
Third parties include customers, visitors, contractors, suppliers or members of the public who are not employees and suffer injury or property damage connected to your business activities.
General/Public Liability covers physical injury or property damage, while Professional Liability covers financial loss arising from professional advice, services or errors. Many businesses require both.
It typically covers third-party injury, third-party property damage, legal defence costs and compensation arising from accidents linked to your business operations and/or, premises, subject to policy terms.
Yes, if the policy is extended to cover third party liability caused by products you manufacture, sell, supply or distribute, including completed operations. Alternatively, they can also be separately insured under a Product Liability and Completed Operations policy
Yes. General/Public Liability insurance covers reasonable legal defence, investigation and settlement costs arising from covered claims, even if allegations are ultimately unfounded.
Completed Operations Liability can cover claims arising after work has been completed or handed over, provided this extension is included in the policy.
Tenant’s Liability covers accidental damage to leased premises. It is commonly required by landlords for businesses operating from rented offices, shops, warehouses or facilities.
No. Employee injuries are covered separately under Workers Injury Compensation (WICA), which is mandatory for certain groups of employees. We can review your employee profile and advise accordingly.
Coverage limits depend on your industry, contract requirements, foot traffic, risk exposure and regulatory expectations. We assess your operations to recommend appropriate limits and extensions.
Yes. Policies can be tailored with extensions and bespoke wording to reflect your business activities and contracts.
We provide guidance from notification through to resolution, working with insurers to manage defence, settlement and communication, helping minimise operational and reputational impact.
We structure Liability programmes aligned to Singapore regulatory expectations and regional risk exposures, leveraging strong relationships with leading insurers to deliver responsive, fit-for-purpose protection.
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.