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  >    >  责任保险


Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the “insured”) from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individual companies that faced a common peril formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium.

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Cyber Compensation

Companies will be required to have a cyber liability insurance if it relies on Information Technology System, even for offline system, in the storage of customer information, sales processes, running its operation or running other business functions. Some of the scenarios that may be covered.

Unintentional infringement of the privacy policy of the insured entity, breach of relevant privacy ordinance, failure to prevent unauthorised access to computer system by Third Party Denial of Service, Failure of network security, Defamation in the provision of media services, infringement of copyright or domain name in the provision of media service cyber extortion corruption or destruction of data by malware or hacking.

Public Liability

The policy is intended to insure the business for any third party property damage or injury caused.

Product Liability

The policy is a worldwide policy. Its usually on a claims made basis.

Professional Liability

Policy coverage features include: Broad definition of insured person including the company, employees etc. ; Worldwide cover; Retroactive Cover; Legal Representation at investigations, Emergency Defence Costs and Legal Representation Expenses, Advancement of Defence Costs.

Directors & Officers Liability

Policy coverage features include: World-wide coverage, Broad definition of Insured Person, Extended claims definition, Expanded definition of loss, Advancement of defence costs, Final adjudication language, Directors/ officers retain duty to defend, No enforced settlement/senior counsel clause.

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