Integrated protection for operations, products and people

Liability

A coordinated liability programme for premises, operations, products, recall and employer exposures.

Integrated protection for operations, products and people

Liability losses rarely stay inside one policy label. A product event can trigger bodily injury, recall costs, contractual disputes and reputational pressure at the same time. Kompetenz designs the programme around the full event pathway.

Practical focus

CGL is the foundation for third-party bodily injury and property damage. Product liability responds to harm caused by supplied goods, while recall cover addresses the cost of removing, replacing or correcting affected products. Employer liability and contractual extensions close important gaps.

What the programme should address

CGL

Premises, operations and general third-party liability.

Product liability

Injury or property damage caused by supplied products.

Product recall

Recall, withdrawal, replacement and crisis-management expense.

Employer liability

Claims arising from employee injury where legally insurable.

Contractual exposure

Indemnities, additional insureds and cross-liability requirements.

Kompetenz priority map

Operations

86%

Products

91%

Contracts

79%

Workforce

72%

Illustrative prioritisation used to organise the placement discussion; not market statistics.

How Kompetenz structures the solution

Review activities

Map operations, territories, turnover and hazardous processes.

Test contracts

Identify indemnities, insurance clauses and additional-insured duties.

Design layers

Set limits, retentions and local/international policy structure.

Prepare claims

Agree notification, defence control and expert-response protocol.

Questions to resolve before placement

Which activities and territories create the highest severity?
Do contracts transfer liability beyond the company’s ordinary negligence?
Are recall expenses and rehabilitation costs explicitly insured?
How are defence costs treated within the limit?

Build a decision-ready insurance brief

Kompetenz Insurance Broker can review the exposure, test programme assumptions, negotiate wording and limits, and establish a practical claims route before the policy is placed.

Services