General liability insurance

Be ready for every eventuality.

We understand that running a business means taking responsibility for the safety of your clients, employees, and the general public. Since 1985, we’ve helped Gibraltar’s businesses manage risks with tailored general liability insurance solutions.

Let us secure the peace of mind you need to grow your business.

We understand that running a business means taking responsibility for the safety of your clients, employees, and the general public. Since 1985, we’ve helped Gibraltar’s businesses manage risks with tailored general liability insurance solutions.

Let us secure the peace of mind you need to grow your business.

Why is General Liability Insurance Important?

No matter the size or nature of your business, you could be at risk of claims for injury, damage, or negligence. General liability insurance provides the coverage you need to protect your business from these potential risks, ensuring you’re financially secure in the event of a claim.

Our general liability insurance options can:
  • Cover compensation claims for bodily injury or property damage
  • Protect against legal costs in defending claims
  • Offer peace of mind in case of accidental damage to third parties

What we offer

Customised Liability Coverage For Your Business

Every business faces its own risks, so we offer customised liability insurance solutions. Whether you run a small shop, manage a large office, or oversee building projects, we’ll work with you to ensure your policy covers the necessary aspects of your business.

Public Liability
Covers claims made by the public for injury or damage that occurs on your premises or as a result of your operations.
Product Liability
Protects you against claims for damages or injuries caused by products you manufacture or supply.
Employer's Liability
Ensures your business is covered in the event of employees' claims for workplace injuries.

Why Choose Masbro?

Experienced Professionals

With four decades of experience, Masbro is Gibraltar’s trusted insurance broker, offering expert advice tailored to your business needs.

Tailored Solutions

We offer policies to fit your journey, whether it’s a business trip, quick getaway or an extended adventure.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Experienced Professionals

With four decades of experience, Masbro is Gibraltar’s trusted insurance broker, offering expert advice tailored to your business needs.

Tailored Solutions

We offer policies to fit your journey, whether it’s a business trip, quick getaway or an extended adventure.

Competitive Rates

Insurance shouldn’t break the bank. We provide value-for-money insurance solutions that offer comprehensive coverage at competitive rates. Our team works hard to ensure you’re always getting the best deal.

Commonly Solved Questions

What is general liability insurance, and why do I need it?

General liability insurance covers your business against claims for bodily injury, property damage, and personal injury caused by your business operations. It's essential for any business that interacts with clients, customers, or the public to protect against legal claims and financial losses.

What does general liability insurance typically cover?

General liability insurance covers third-party claims for injuries, property damage, and legal costs. It may also include coverage for personal injury claims such as defamation, slander, or libel, as well as damage caused by your products or completed services.

Is general liability insurance mandatory for my business?

While general liability insurance is not legally required for all businesses, it is highly recommended to protect against potential financial loss from claims. Certain industries, like construction or retail, may require it by contract or regulation.

Does general liability insurance cover my employees?

General liability insurance does not cover employee injuries or illnesses. For that, you would need employer's liability insurance, which is designed to cover claims made by employees for work-related injuries or illnesses.

How does general liability insurance differ from professional indemnity insurance?

General liability insurance covers physical injuries or damage caused by your business, while professional indemnity insurance covers claims arising from errors or omissions in the professional services you provide. Depending on your business, you may need both types of coverage.

Can I customise my general liability insurance policy?

Yes, at Masbro, we tailor our general liability insurance policies to suit the specific needs of your business. Whether you need additional coverage for products, public liability, or employers' liability, we will work with you to build a policy that meets your requirements.

What is the process for filing a general liability claim?

If a claim is made against your business, contact us as soon as possible. Our team will guide you through the claims process, gathering the necessary information and ensuring your claim is handled efficiently and effectively.

How can I reduce the cost of my general liability insurance?

The cost of your insurance can be influenced by various factors, including the size of your business, industry risk, and claim history. To reduce costs, you can implement risk management strategies, maintain a good claims record, and discuss policy bundling options with us to find competitive rates.

Discover the Masbro Difference

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