When claims come, your balance sheet stays shielded.
Public liability, products liability, professional indemnity, and directors & officers coverage for comprehensive liability protection.
Commercial Liability Insurance
General and professional liability protection
- Lines
- GL, PI, D&O, EPL
- Structure
- Primary + umbrella
- Contract Review
- Included
- Claims
- Dedicated advocacy
Commercial Liability Insurance
General and professional liability protection
Commercial Liability Insurance protects your business against third-party claims for bodily injury, property damage, and financial loss. Our liability suite covers public liability, professional indemnity, directors & officers liability, and employment practices liability.
Structured as a coordinated liability tower — primary layers with umbrella excess — we ensure no gap between your liability exposures and your coverage.
Coverage & Reach
Who It's For
Who Needs Commercial Liability Insurance?
Businesses with public-facing operations or customer premises
Professional service firms providing advice or design work
Companies with employees requiring employers' liability coverage
Contractors and consultants working on client sites
Organizations with board-level governance exposure
Why It Matters
Key Benefits of Commercial Liability Insurance
Public & products liability coverage
Professional indemnity protection
Directors & officers liability
Employment practices liability
Umbrella excess layering
Worldwide coverage options
What's Included
Coverage Features & Capabilities
Liability Tower
Coordinated primary and excess layers with no gaps between policies.
Professional Indemnity
Coverage for negligent advice, design errors, and professional service failures.
D&O Protection
Personal asset protection for directors and officers against management liability claims.
Contractual Liability
Coverage for liability assumed under contracts, including indemnity clauses.
Important Information
Standard Coverage Exclusions
The following are typically excluded from standard policies. Specific terms vary by placement.
- Intentional illegal acts or fraud by the insured
- Contractual penalties or liquidated damages
- Bodily injury to employees (covered under workers' compensation)
- Product liability (covered under separate product policy)
- Prior known claims or circumstances disclosed before inception
How It Works
Your Path to Protection in 4 Steps
Exposure Audit
We audit contracts, operations, and professional services for liability exposures.
Tower Design
Structure primary and excess layers matching your risk profile.
Placement
Coverage placed with specialist liability markets.
Claims Advocacy
Dedicated claims advocacy protecting your interests.
Claims
How Claims Work
A clear, structured claims process designed for fast resolution.
Claim Notification
Report any claim, demand, or circumstance that may give rise to a claim within the notification period specified in your policy.
Coverage Assessment
Our liability team reviews the claim against your policy tower, determines which layer responds, and confirms coverage.
Defense Management
We appoint specialist defense counsel and manage the defense strategy, keeping you informed at every stage.
Settlement & Recovery
Claims resolved through negotiation or judgment. Where third parties share liability, we pursue contribution and recovery.
The Thai Insurances Advantage
Why Choose Thai Insurances
We are a single accountable insurance partner combining deep market access, specialist underwriting, and global claims capability — so your coverage is engineered as a system, not assembled from fragments.
- Coordinated liability towers with zero coverage gaps
- Contract review service identifying uninsured indemnities
- Specialist D&O and professional indemnity underwriting access
- Claims advocacy team fighting for your interests
$4.2B+
Trade Value Protected
12,000+
Verifications Completed
87
Countries Covered
3,500+
Active Clients
Common Questions
Frequently Asked Questions
Public liability covers injury or damage arising from your premises and operations. Products liability covers injury or damage caused by products you supply after they've left your control.
Explore Further
Related Services
Product Liability Insurance
Coverage for legal liability arising from product defects causing injury or damage — essential for exporters to the US, EU, and other strict-liability markets.
Learn moreBusiness Insurance
Packaged commercial coverage combining property, liability, and business interruption into one streamlined business insurance program.
Learn moreContract Risk Review
Expert review of trade contracts identifying risk allocation imbalances, uninsured liabilities, unenforceable terms, and missing protections.
Learn moreSectors We Serve
Industries Covered
Learn More
From the Knowledge Hub
Ready to Secure Your Commercial Liability Insurance?
Get a tailored proposal within one business day. Our specialists will structure coverage, terms, and pricing around your specific operations.
Visit Our Office
Business Hours
Monday – Friday: 8:30 – 18:00 (GMT+7)
Saturday: 9:00 – 13:00 (GMT+7)
24/7 claims hotline for policyholders
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