FESTIVE SEASON OPENING HOURS: Our contact centre Mutual Direct will be closed 25-26th December and 29th December & 1st January. If planning a visit to your local agency office please ring ahead to check that they are open. Our out of hours claims service will be available to support emergency claims.

 

FESTIVE SEASON OPENING HOURS: Our contact centre Mutual Direct will be closed 25-26th December and 29th December & 1st January. If planning a visit to your local agency office please ring ahead to check that they are open. Our out of hours claims service will be available to support emergency claims.

 

Public and Product Liability

Cover against legal costs.

As part of our Commercial Select policy you can add specific liability cover to suit the needs of your business.

Contact your local agency office

However you choose, whether in person or at the end of a phone, our Agents will be there for you when you need them most.

Cover overview

Public and Product Liability covers your business if you or your employees are held legally liable for accidental injury to clients, customers or the public, or for damage to their property as a result of your business's activities or products.

Our normal Public and Product Liability cover is £2.5 million. You can choose higher limits to meet the specific needs of your business or clients.

What's covered:

  • Damages arising from injury to the public or damage to their property.
  • Damages arising from injury to the public or damage to their property, caused by your products.
  • Costs to defend proceedings against you under legislation relating to corporate manslaughter, health and safety, data protection (up to £500,000), defective premises, food safety and consumer protection.

What's not covered:

  • Injury to any employees – this is specifically covered by Employers’ Liability insurance, which is a legal requirement if you have employees.
  • Liability arising from pollution other than that caused by a sudden and unexpected incident.
  • Liability arising from any vehicles for which compulsory motor insurance is required.
  • Professional advice or services given for a fee.
  • Products exported to the USA or Canada.
This is not an exhaustive list, more information can be found in the important documents section.

The cover you choose will depend on your circumstances and your local NFU Mutual agency office will take the time to understand these needs and explain the full details, including any limits and exclusions that may apply, to help ensure it‘s right for you.

Commercial Select Insurance

Our Commercial Select policy provides a range of covers to suit a variety of businesses.

It’s flexible so you can choose the cover to meet the needs of your business now and in the future.

Why choose us?

Why choose us?

  • Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

    Heritage

    With over 110 years of insurance knowledge and expertise, we know the industry inside and out.

  • Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

    Mutual Bonus

    We reward loyalty through Mutual Bonus, a saving when you renew a General Insurance policy.

  • Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

    Local presence

    With a network of over 280 agency offices nationwide, we can get to know you and your business.

Other business products

SME Business Insurance

Our Small and Medium Business Insurance policy is suitable for businesses that have a turnover of up to £3 million.

Commercial Vehicle Insurance

Vehicles can be important to your business - from pickups and vans to larger motor fleets, we're here to help keep you on the road.

Risk Management Services

Our experts can identify the dangers facing your business and offer one to one solutions personalised to your business.

What's next?

Take out a new policy

Ready to buy a Business Insurance policy? We can help you to make sure that you get the right cover.

Existing customers

Get a new quotation, make changes to, discuss your renewal or cancel your insurance policy.

Claims

Notify us of a new Business Insurance claim or speak to us about a claim that is in progress.