Commercial Liability Insurance - Introduction - Searchlight Insurance Training

Commercial Liability Insurance – Introduction

This one day participative workshop provides an excellent introduction to the principles and practices involved in general Liability insurance. It explores the aspects which need to be understood by those involved in providing basic technical or administrative services.

The workshop can also be used as a good grounding for trainees or those who have potential to develop in their careers into more technically demanding work in the future.

The workshop focuses on general Commercial Liability (Employers’ Liability, Public Liability, Products insurance) but the principles covered are those which apply to all Liability Insurance.

Level: Introduction

Duration: 1 day(s) CII CPD Hours: 6


• identify the main types of Liability Insurance and why businesses require them

• describe how liabilities arise under common law, contract and statute

• explain the policy cover provided by Employers’ Liability, Public Liability and Products Liability policies

• apply the terms and conditions of a combined Liability Insurance policy to various claims

• outline the basic elements of liability underwriting

• explain the difference between legal liability and policy liability

• list some recent legal and social trends which have impacted on Liability Insurance


• The Need for Liability Insurance

• The Main Sources of Liability

• The Main Provisions of Cover and the Main Hazards Encountered

• Overview of the UK Legal System

• How Civil Liability can Attach through Common Law/Tort, Contract or Statute, including a Detailed Overview of the Key Torts (Negligence, Nuisance, Trespass, Defamation and Strict Liability)

• Typical Policy Structure, Covers, Conditions and Restrictions

• The Basic Elements of Underwriting Considerations

• Overview of the Claims process Explaining the Fundamental Difference between Legal Liability and Policy Liability

• Overview of Recent Legal and Social Trends that have Impacted on Liability Insurance