This is by far the most important type of insurance to get, no matter how well-established you are.

In a culture of “no win, no fee”, third parties can impose lawsuits with more liberty without fear of personal loss. They may sue for incidents which may seem extremely minor from a neutral perspective, but can still irrevocably ruin a company – especially newer companies or SMEs.

This covers any mistakes which cause injury to a third party. The error must be an inadvertent one, manifested through a failure to fulfil standard duties in the line of work. Any errors caused by an action are deemed deliberate and are not covered.