What is the difference between general and professional liability?

General liability covers injury and property damage arising from your operations. Professional liability covers financial loss caused by a mistake in your work or advice, where nothing has been physically damaged. Many businesses need both, because they respond to entirely different events.

Are employee accidents covered?

That is the employers’ liability section. It does not simply top up social security benefits; it answers the claims social security does not make good — principally compensation for pain and suffering, or a family’s distress. It is a separate part of the cover and has to be included expressly; it does not follow automatically from general liability.

Do I need product liability if I only resell?

Possibly. Liability can attach to a distributor or retailer, particularly on imports from outside the EU. We look at where you sit in the supply chain before deciding whether the section is needed.

Are my subcontractors covered?

Not automatically. Subcontractors usually need their own cover, or have to be expressly included in yours. It is one of the most common gaps in technical and construction work.

Commercial general liability

Commercial General Liability Insurance

Running a business puts your people, your premises and your products in contact with others every day. General liability insurance is what responds when that contact causes injury or property damage.

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The subject matter

What general liability covers.

Any business that receives the public, employs people or supplies products comes into contact with people and property that are not its own. That is where general liability begins.

It is the most fundamental liability cover a business carries, and usually the first one anyone asks to see: landlords, contracting authorities, major customers and event organisers.

The sections

What it can include.

Not every policy includes all of these. We look at them one by one and keep the ones that genuinely relate to what you do.

Premises and operations liability
The core: third-party claims for injury or property damage connected with your premises and day-to-day operations. A customer hurt in the shop; a neighbouring property damaged by your work.
Employers’ liability
Employee claims after an accident at work, for what social security does not make good: principally compensation for the employee’s pain and suffering, or a family’s distress in a fatality, which requires only ordinary negligence and is not set off against the fund’s benefits. For businesses with staff in manual or technical roles this is frequently the most substantial part of the cover.
Product liability
Claims for damage attributed to a product you manufactured, imported or supplied. It can reach the distributor and retailer, not only the producer, and is assessed separately from operations liability.
Work on third-party premises
For businesses working away from base — installations, maintenance, technical services — the cover has to travel with the crew.
Fire and water damage liability
Damage to leased premises or neighbouring properties from fire or escape of water. Frequently an express requirement of the lease.
Defence costs
Defending a claim costs money even when it fails. We check whether those costs sit inside the limit or on top of it.

Who asks for it

Who asks for it, and when.

From the first day you receive a customer, employ someone or supply a product, you create a point of contact with people and property that are not your own.

It is the most basic cover a business carries — and usually the first one asked for in writing: by a landlord, by a contracting authority, by a major customer.

Orientation

Which liability insurance does my business need?

Four distinct covers that are routinely confused with one another. The deciding factor is not the size of the business but the source of the liability.

How it is set

What determines the cover.

Declared activityEverything starts from how your activity is described. Work you have not declared may not be covered.
Per-event and annual limitsThe two are set together. Contracts often specify a minimum limit per event.
ExcessThe part of each loss you pay yourself, set at a level you can comfortably absorb.
Territorial scopeWork or product distribution outside Greece needs express provision.
Number of employeesA rating basis for the employers’ liability section.
TurnoverA rating basis, particularly for product liability.

Common questions

Worth knowing.

What is the difference between general and professional liability?
General liability covers injury and property damage arising from your operations. Professional liability covers financial loss caused by a mistake in your work or advice, where nothing has been physically damaged. Many businesses need both, because they respond to entirely different events.
Are employee accidents covered?
That is the employers’ liability section. It does not simply top up social security benefits; it answers the claims social security does not make good — principally compensation for pain and suffering, or a family’s distress. It is a separate part of the cover and has to be included expressly; it does not follow automatically from general liability.
Do I need product liability if I only resell?
Possibly. Liability can attach to a distributor or retailer, particularly on imports from outside the EU. We look at where you sit in the supply chain before deciding whether the section is needed.
Are my subcontractors covered?
Not automatically. Subcontractors usually need their own cover, or have to be expressly included in yours. It is one of the most common gaps in technical and construction work.

The rest of the picture.

Each answers a different question. We look at them together, so there are neither gaps nor overlaps.

The first conversation

Let us look at the liability your business actually carries.

We start with your activity, your premises, your people and your customer contracts, and build the cover from there.

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