Who this cover is for
We cover shops, offices, factories, contractors and service providers.
- Shop and restaurant owners whose premises are open to the public
- Manufacturers and distributors responsible for product safety
- Employers facing injury claims from their workforce
- Service providers whose contracts require liability cover
What the policy covers
The core covers we request in every quotation. Some are optional and carry an additional premium.
- Public liabilityInjury to a person or damage to their property at your premises or from your activity.
- Product liabilityDamage your product causes to a consumer after it leaves your control.
- Employers liabilityYour obligation to employees for work injuries beyond social security cover.
- Professional indemnityError or negligence in providing a consulting or technical service.
- Legal costs and expensesDefence costs for covered claims within the policy limits.
- Tenant liability to landlordDamage to the leased property arising from your activity.
What it usually does not cover
These are common exclusions in this line of business. Actual exclusions differ between insurers, and we set them out in writing with every offer.
- Claims arising from a deliberate act or a clear breach of law
- Fines, criminal penalties and punitive damages
- Damage to your own property or property in your custody
- Contractual liabilities assumed beyond ordinary legal liability
- Gradual pollution unless a specific environmental extension is added
- Claims arising before inception or after expiry of the cover
Figures and clauses worth asking about
Before you sign, these are the clauses that decide what the policy is really worth.
Claim documents
We prepare them with you and review them before submission so the file is not delayed on a procedural point.
- Immediate written notice of any claim or legal notice
- Site photographs, incident reports and witness statements
- Medical reports for the injured party where relevant
- Contracts and invoices related to the activity in question
- Any correspondence with the claimant, without admitting liability
Questions we put to the insurer on your behalf
These questions are the difference between a cheap offer and a suitable one.
- What is the limit per occurrence and the annual aggregate?
- Is cover written on an occurrence basis or a claims made basis?
- Does product liability extend outside Jordan?
- Are legal costs inside the limit or in addition to it?
- What is the deductible per claim?
- Does the policy extend to subcontractors working for you?
Common questions about Liability Insurance
Does social security remove the need for employers liability?
Social security covers part of your obligations, but civil claims exceeding that remain possible. Employers liability cover closes the gap.
When do I need product liability?
If you manufacture, distribute or import a product used by consumers. A claim can arrive years after the sale, which is why the basis of cover matters so much.
What does claims made cover mean?
It means the policy responds only to claims presented during its period, even if the incident happened earlier within a defined retroactive date. A gap at renewal creates serious exposure, and we flag it.
The mall owner asks me for a liability certificate. What is needed?
Usually a specified limit of indemnity and the owner named as an additional interest on the policy. We prepare the required wording and send it to them directly.
