BROADFORM LIABILITY INSURANCE

Commercial

General

Liability

One incident. One claim. Without the right cover, it could cost you everything you’ve built.

Every business that operates in the world that employs people, serves customers, makes products, leases premises, and works with contractors carries liability exposure. Most business owners understand this in theory. Far fewer appreciate what a single public liability claim can cost when it lands without cover.

Broadform Liability is the foundation of a sound commercial risk programme. It might not be the most glamorous line of cover. But it is the most essential one.

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The risk every business carries

You cannot control everything that happens in and around your business. But you can control the financial consequences.

Personal injury and property damage claims regularly run to seven figures. Legal defence costs – even for claims that are eventually dismissed – can cripple an SME or mid-sized business.

01

Slip and fall on your premises

A customer or visitor is injured on your property. Even with no negligence on your part, the claim and legal costs land with you.

02

Product causes harm

A product you manufactured or distributed causes injury or an adverse reaction. Products liability claims can involve multiple claimants.

03

Contractor damages third-party property

A subcontractor working on your behalf causes accidental damage to a neighbouring property or third-party asset.

04

Staff cause accidental damage

An employee accidentally damages a client’s property: equipment; premises; or assets, in the course of their work.

“You’ve spent years building your business. The right liability cover means one bad day can’t undo all of it.”

How We Protect You

Our Broadform Liability policy is designed to cover every significant third-party liability exposure a business faces in the course of its operations. This isn’t a stripped-down policy full of exclusions. It’s a comprehensive commercial liability solution.

❌ WITHOUT BROADFORM COVER

A single judgment can exceed your annual revenue

Legal defence costs alone, before any verdict, can wipe out working capital

Fifteen years of growth can be undone by a single incident that was nobody’s fault

You manage litigation personally, at the expense of running your business

✔ WITH BROADFORM COVER

Claims managed by experienced liability specialists from first notification

Legal representation arranged and funded by your insurer

Damages within your policy limit settled on your behalf

You focus on running your business, everything you’ve built is protected

The sectors we serve

Broadform Liability is essential across all commercial sectors. Our policy is designed to serve businesses of every size – from owner-managed SMEs to complex multi-site operations.

Manufacturing & distribution

Companies with products liability exposure across the full supply and distribution chain.

Construction & contracting

Businesses with active site operations, subcontractors, and third-party property exposure.

Property management & facilities

Property owners and facility services companies with ongoing public and tenant liability.

Retail

Businesses with significant public footfall and customer-facing premises where slip-and-fall and product claims are common.

Protect everything you’ve built. Start with the right foundation. Talk to us about Broadform Liability cover today.

Why Leppard

Comprehensive cover, not a stripped-down policy

Broadform Liability is only as good as what it actually covers. We don’t offer a basic public liability product dressed up as something more. Our policy is built to respond to the full range of third-party liability exposure a commercial business faces, and our team knows the difference.

No hidden exclusions

We’re upfront about what our policy covers and what it doesn’t. Our clients know exactly where they stand before a claim, not during one.

Products liability included

For manufacturers and distributors, products liability exposure is among the most significant your business carries. Our Broadform policy covers it, not as an add-on, but as a core component.

Experienced claims management

When a claim lands, it’s managed by liability specialists, not generalists. Legal representation is arranged, defence costs are funded, and your business keeps operating.

Scales with your business

Whether you’re a single-site SME or a multi-location operation, our Broadform Liability solution is structured around the actual shape of your business and its exposures.

The right Broadform policy doesn’t just tick a compliance box — it’s the difference between a claim that disrupts your business and one that doesn’t. Let’s make sure yours is built for the former.