COMPARE LIABILITY INSURANCE

Compare Liability Insurance Information

Liability insurance cover is usually ascociated with employers and organisations IN many countries it a compulsary legal requirement that a business is coververed with a liability insurance policy. The cover is a safeguard against costs and claims incurred by an employer for injuries and damages to an employee during work time and or a social gathering.
Companies operating in most countries are legally obliged to take out liability cover as a compulsory form of insurance. The more common form of cover applies to drivers of vehicles and employed by a company. The premise behind public liability insurance is for an employer to be insured against the risks of an employee being injured whilst in the work place the same applies to an employee using a company owned vehicle. Many policies now cover against contingency fee litigation. Policies fall into three main categories:

Public Liability Insurance

Insures against the costs incurred by the company should a person or persons sustain injury or harm whilst on the company premises a common example of this form of cover is large shopping malls and theatres, cinemas ext.

Product Liability Insurance

Insures against the costs that may incurred by a manufacturer should their product cause injury and in the subsequent inquiry be found to not be safe
As you can imagine claims can be substantial.

Employers Liability Insurance

Covers the risks and costs should an employee of a company be injured whilst working for or on the company premises. Again these sorts of claims can be substantial. And cover is generally advised where it is not compulsory.
If your now ion the process of looking for suitable Liability cover for your company. It is worth noting that large savings can be made through online deals this has further been helped by a growth in the number of online insurance comparison sites where specialist information and price comparisons can be found all in one recourse. It’s also worth noting that insurers often offer the extra incentive of discounts on policies bought online. If your in need of new cover for your company then why not go compare liability insurance deals now. Also for other tips and deals try Mortgage Rate Comparison

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Compare Liability Insurance

Compare Liability Insurance is currently establishing itself to offer customers the opportunity to compare Liability insurance prices for a number of types of Liability insurance policies. In conjunction with our partners, we bring you a wide choice of Liability insurers for you to compare Liability insurance prices. We would always recommend the importance of being adequately insured against risk and by comparing insurance prices online you can make sure you are getting the best deal. Most online insurance quotes give an extra discount for buying online so it pays to do your research on the web.

Compare Liability Insurance recommend that you check the exemptions and exclusions of any Liability insurance policy to ensure that you are adequately insured against any eventuality that you propose. Always check that you agree with any excess (compulsory or voluntary) that applies to your Liability insurance policy. It is often possible to reduce the cost of an insurance premium with a voluntary insurance excess. It is up to you to decide if this is the right choice for you. Bear in mind that a voluntary excess will have to be paid in the event of a claim so decide carefully whether you want this to ensure you get the balance right between the price of the insurance policy and any voluntary excess or other strategies you opt for to reduce the Liability insurance premium.

Please use the sections below for advice and useful contact numbers if you need to contact the regulatory bodies of the insurance industry. We have also provided a section for pertinent questions that you can ask when buy car, home or travel insurance. These are generally common sense but if you have them to hand it makes you more prepared and will avoid you potentially forgetting to ask something important. These are not exhaustive lists and you may think of other points. Feel free to contact us if you think there is anything else that should be included. For further articles related to comparing insurance see Compare Pet Insurance

General Tips & Advice for Buying Insurance

At all times protect your no claims bonus - it is generally worth paying slightly extra every month to retain your no claims bonus - a must if you have established over 3 years no claims bonus.
If your insurance premium is expensive, it is worth obtaining between 8-10 quotes as you are likely to find a better deal.

Questions you should ask a potential Insurer

Health Insurance Questions?

Does the policy cover under 18's for free?
Will I have access 24/7, 7 days a week, 52 weeks a year to a medical emergency helpline?

Who Regulates the Insurance Industry?

FSA - Financial Services Authority

In Britain the FSA is an independent non-governmental body who have statutory powers to regulate the financial services industry in the UK. It is financed by the financial services industry and Her Majesty's Treasury appoints the members of it's board. Tel 020 7066 1000 or www.fsa.gov.uk .

Major Insurance Organisations

American Insurance Regulatory Bodies:

By State A to G	By State H to N	By State N to U
Dept. of Community & Econ. Development Alaska Division of Insurance 907-269-7900 Fax 907-269-7910	Hawaii Insurance Division Dept. of Commerce & Consumer Affairs 808-586-2790 Fax 808-586-2806	New Mexico Insurance Division 505-827-4601 Fax 505-476-0326
Alabama Department of Insurance 334-269-3550 Fax 334-241-4192	Division of Insurance State of Iowa 515-281-5523 Fax 515-281-3059	Nevada Division of Insurance 775-687-4270 Fax 775-687-3937
Arkansas Insurance Department 501-371-2600 Fax 501-371-2629	Idaho Department of Insurance 208-334-4250 Fax 208-334-4398	New York Department of Insurance 212-480-2289 Fax 212-480-2310
Office of the Governor American Samoa Government 684-633-4116 Fax 684-633-2269	Dept. of Fin. and Professional Regulation Division of Insurance 217-785-5516 Fax 217-524-6500	Ohio Department of Insurance 614-644-2658 Fax 614-644-3743
Arizona Department of Insurance 602-364-3100 Fax 602-364-3470	Indiana Department of Insurance 317-232-2385 Fax 317-232-5251	Oklahoma Department of Insurance 405-521-2828 Fax 405-521-6635
California Department of Insurance 916-492-3500 Fax 916-445-6552	Kansas Department of Insurance 785-296-3071 Fax 785-296-7805	Pennsylvania Insurance Department 717-783-0442 Fax 717-772-1969
Colarado Division of Insurance 303-894-7499 Fax 303-894-7455	Kentucky Office of Insurance 502-564-6027 Fax 502-564-1453	Puerto Rico Dept of Insurance 787-304-8686 Fax 787-273-6365
Connecticut Department of Insurance 860-297-3800 Fax 860-566-7410	N. Mariana Islands Department of Insurance 670-664-3000 Fax 670-664-2211	Rhode Island Insurance Division Dept. of Business Regulation 401-222-5466 Fax 401-222-5475
Connecticut Department of Insurance 860-297-3800 Fax 860-566-7410	Mississippi Insurance Department 601-359-3569 Fax 601-359-2474	South Carolina Dept. of Insurance 803-737-6227 Fax 803-737-6159
Dept. of Insurance, Securities, and Banking Government of the District of Columbia 202-727-8000 Fax 202-535-1196	Montana Department of Insurance 406-444-2040 Fax 406-444-3497	South Dakota Division of Insurance 605-773-4104 Fax 605-773-5369
Delaware Department of Insurance 302-739-4251 Fax 302-739-5280	NAIC North Carolina Dept. of Insurance 919-733-3058 Fax 919-733-6495	Tennessee Dept. of Commerce & Ins. 615-741-6007 Fax 615-532-6934
Florida Department of Financial Services 850-413-2806 Fax 850-413-2950	North Dakota Dept. of Insurance 701-328-2440 Fax 701-328-4880	Texas Department of Insurance 512-463-6464 Fax 512-475-2005
Office of Insurance Regulation 850-413-5914 Fax 850-488-3334	Nebraska Department of Insurance 402-471-2201 Fax 402-471-4610	Utah Department of Insurance 801-538-3800 Fax 801-538-3829
Georgia Department of Insurance 404-656-2056 Fax 404-656-4688	NAIC New Hampshire Insurance Department 603-271-2261 Fax 603-271-1406	State Corporation Commission Bureau of Insurance 804-371-9694 Fax 804-371-9873
Dept. of Rev. & Taxation Ins. Branch Government of Guam 671-635-1817 Fax 671-633-2643	New Jersey Department of 609-633-7667 Fax 609-984-5273	Office of the Lieutenant Governor Division of Banking & Insurance 340-774-7166 Fax 340-774-9458

Austrailian Insurance Regulatory Bodies:

Australian Insurance Institute
1st Floor, 144 Pitt Street
Sydney, NSW 2000
Phone: (02) 9247 1141, Fax: (02) 9252 3180

British Insurance Associations:

ABI - Association of British Insurers	BIBA - British Insurance Brokers Association	IIB - Institute of Insurance Brokers
0207 623 9043 or www.abi.org.uk	0207 623 9043 or www.biba.org.uk	01933 410003 or www.ib-uk.com

Canadian Insurance Regulatory Bodies:


Financial Services Commission of Ontario 5160 Yonge Street Toronto, ON M2N 6L9 1-800-668-0128 (416) 250-7250	Manitoba Financial Institutions Regulation Branch Phone: (204) 945-2542 Toll-free: 1-800-282-8069 (in Manitoba) Fax: (204) 948-2268 Email: Insurance insurance@gov.mb.ca	THE INSURANCE COUNCIL OF MANITOBA Telephone (204) 988-6800 Facsimile (204) 988-6801
Alberta Finance and Enterprise Phone (780) 427-3035 Fax (780) 427-1147	Insurance Council of British Columbia Telephone (604) 688-0321 Fax (604) 662-7767	Insurance Councils of Saskatchewan (ICS) Licensing (306) 347-0862 Complaints(306) 352-7870 Fax (306) 569-3018
Financial Consumer Agency of Canada Toll-free numbers to call.: For services in English: 1-866-461-FCAC (3222) For services in French: 1-866-461-ACFC (2232) Fax: Toll-free: 1-866-814-2224 For Ottawa area orfrom outside Canada: 613-941-1436 www.fcac-acfc.gc.ca	New Brunswick - The Insurance Branch General Information: (506) 453-2512 Reception: (506) 453-2512 Fax: (506) 453-7435 Internet Web Site: http://www.gnb.ca/0062/index-e.asp	Insurance Brokers Association of Ontario Telephone: (416) 488-7422 Toll-Free: (800) 268-8845 or (888) ASK-IBAO Fax: (416) 488-7526

Caribean Insurance Regulatory Bodies:

IAC CARIBEAN	Jamaica Financial Service Division	Association of Trinidad and Tobago Insurance Companies
IAC Building, Collymore Rock, St. Michael, 11115, BARBADOS. Telephone: (246) 427-5608/9 Fax: (246) 427-7277 Email: info@iac-caribbean.com	Insurance Division 876-906-3010 2 876-754-9584 insurance@fscjamaica.org	Telephone: (868) 624 2817 (868) 625 2940 Fax: (868) 625 5132