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Liability Insurance

Business liability and corporate liability insurance from A-Z

Modern business liability insurance exposures arise from many sources: from third parties, from products, from the environment, from emerging risks. They are growing in size and in complexity, but remain similar in one crucial dimension – their long-term nature.

Major corporations facing business liability risks across multiple worldwide locations need a reliable long-term partner with global reach.

Allianz Global Corporate & Specialty offers financial security you can rely on today and far into the future (backed by our S&P AA and A+ A.M.Best ratings - the highest combination of any global property and casualty insurer), and a reputation for finding global solutions to the most complex corporate liability risks.

We meet this challenge with an expert team of underwriters, claims and risk consulting professionals (including lawyers, engineers, scientists and industry specialists) supported by major capacity for the largest business liability insurance challenges, embedded in a service network in more than 160 countries worldwide.

Our teams are able to customize coverage to clients’ needs, and have many years’ experience across all international industries: for example, for pharmaceutical manufacturers, construction companies, power and utility companies or automotive manufacturers.

Our business liability insurance products typically cover personal or bodily injury and property damage, and can be offered through individual primary policies, through excess layers and umbrella policies, or through international insurance programs for multiple risks in multiple locations.

What’s more, our product range spans the full range of modern corporate liability insurance, and is constantly being developed to meet new challenges:

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Overview of corporate liability insurance risks - click to enlarge image 

Public liability insurance

Cover for liability arising from the insured‘s operations or premises to third parties.

Products liability insurance

Cover for property damages or bodily injury caused by the insured’s products or work performed.

Environmental impairment liability

Pollution claims caused by the insured’s activities.

Crisis management solutions

Wide-ranging crisis management insurance solutions that include product contamination and product recall insurance as well as terrorism and political violence coverage.

Clinical trials insurance

Covers the legal liability of sponsors (pharmaceutical companies) and investigators (doctors, hospitals, clinical research organizations) arising out of clinical trials.

Employers‘ liability insurance

Covering the employer’s liability for workplace accidents / diseases of the employees.

IT liability insurance

Protects against emerging liability exposures on a pure financial loss basis: for example, infringement of privacy rights, inadvertent transmission of computer viruses, tampering and other ‘cyber threats’.

Management liability insurance

Covered through our financial lines services, including Directors & Officers and professional indemnity insurance.

Marine liability insurance

Covered through our marine services teams, including primary and excess liability for the marine and logistics industries.

Aerospace and aviation liability

Covered through our aviation insurance teams for airlines, general aviation and the aerospace industry.