General
Liability
Flexible protection for the unexpected
Our General Liability products have been designed specifically to provide comprehensive coverage and a broad underwriting appetite for small to medium businesses and larger corporations, as well as those in the mining and resource industry.
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General Liability
Our broadform General and Product Liability offering provides cover for legal liability arising from third party personal injury, property damage and advertising liability claims.
WebRater
Specialty
$20m limits
Dedicated national underwriting team
WebRater Appetite
DUAL’s General Liability product is available through the WebRater, with indications obtained with minimal questions for Insureds with up to $10,000,000 in revenue for professional service industries and $5,000,000 in revenue for trades.
Some of our typical clients include:
- Design
- Accountants
- Consultants
- Real Estate
- Financial Consultants
- Stockbrokers
- Public Relations & Media
- Legal
- Trade Services
We now have over 400 occupations available via the WebRater to quote General Liability!
Specialty Appetite
Protect your business and reputation with our comprehensive general liability insurance. DUAL's specialty general liability product covers a diverse range of occupations, underwritten by our experienced senior liability team.
Through our close partnerships with brokers, we deliver dedicated and comprehensive coverage, providing you with:
- Broad coverage for a diverse range of occupations
- A range of valuable extensions to further meet the unique needs of your client
- Primary Limit $20m with flexible deductibles to suit your clients business
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Fully authorised capacity – Certain Underwriters at Lloyd’s
Contact one of the dedicated and experienced senior liability underwriters.
Environmental Impairment Liability (EIL) Extension
Environmental exposures can arise from everyday business activities, even where environmental risk is not a core part of an organisation's operations. The Environmental Impairment Liability (EIL) Extension is designed to complement General Liability cover by providing protection for certain pollution-related liabilities arising from covered pollution incidents.
Capacity
Up to $250,000 is available as standard for eligible risks. For target industries and well-managed risks demonstrating strong environmental and risk management practices, limits of up to $1,000,000 may be available following consideration of the insured's risk profile, environmental exposures and applicable underwriting criteria. |
Target Market
Available as an extension to eligible General Liability policies and aligned with DUAL's General Liability appetite. |
Why Consider the EIL Extension?
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Enhances General Liability cover by providing protection for certain pollution-related liabilities that may not otherwise be covered under a standard General Liability policy.
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Responds to covered third-party bodily injury, property damage and clean-up cost exposures arising from pollution incidents.
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Provides an alternative to a standalone environmental liability policy for businesses with incidental environmental exposures.
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Particularly relevant for contractors, manufacturers, transport operators, property owners and service providers whose activities may create environmental liabilities.
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May assist businesses seeking environmental liability protection where environmental obligations arise under contracts or tender requirements.
Key Benefits
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Environmental liabilities are no longer confined to traditionally high-risk industries.
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Pollution incidents can arise from routine operations and may result in significant financial and reputational consequences.
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The EIL Extension provides an accessible way for eligible businesses to strengthen their General Liability programme with additional protection for environmental exposures, without the complexity typically associated with standalone environmental insurance solutions.
Resource Liability
A tailored industry specific mining and resource liability wording available for our resource contractors and exploration policyholders (previously known as RILF).
Resource$10m contractors |
Exploration$20m turnover |
Available on the WebRater
Why choose DUAL for General Liability?
Expert underwriting
The DUAL Liability team is highly knowledgeable. Our expert underwriters navigate complex risks to try and achieve the best possible outcome for you and your client.
Customisable cover
Our products can be tailored to suit the needs of your clients. We have the flexibility to cover a wide range of risks, including many tailored risks.
A trusted partner in a claim
We provide exceptional claims services. Our in-house claims team works alongside our panel lawyers to support your client each step of the way.
Instant quote and bind
Get a quote on a range of Liability products today using the WebRater.
Meet our Liability team
Stewart Eaton
ANZ Head of Liability
Stewart has worked in the UK and London market for nearly 25 years. He has held a variety of liability positions at AIG and crisis management roles at various Lloyd’s Syndicates and at Allianz Global Corporate and Specialty. Prior to setting up a product recall book of business at Ark Syndicate in 2021 he was the Global Head of Product Recall at AGCS from 2019 looking after a book of cEUR100m. Stewart will be helping grow and diversify the liability book including a regional focus ensuring key service delivery to our broker partners and clients.
Stewart succeeded Steve Jacques in April 2023 and will be building a team that will service the growing portfolio with a focus on profitability and sustainability whilst assisting develop new product solutions in the NZ market.