Liability Insurance
Insurance Pillar

Liability Insurance

Shield against legal claims and costly settlements.

About this Pillar

Comprehensive Liability Insurance from Oakstem

From personal liability to complex corporate exposures, Oakstem offers broad protection against legal claims and financial risks. Our liability covers shield individuals and organisations from unexpected lawsuits and costly legal settlements.

Audience

Who this cover is for

If you recognise yourself in any of these, this is for you.

  • Individuals and families wanting predictable monthly cover
  • SMEs balancing premium cost with comprehensive protection
  • Corporates and contractors needing scheme-level cover
  • Anyone who has been over-charged or under-covered in the past
Our process

How it works with Oakstem

From the first call to the renewal letter, here's exactly what happens.

  1. 01 Step 1

    Discovery call

    A 15-minute conversation to understand what you need to insure and why.

  2. 02 Step 2

    Underwriter comparison

    We pull comparable quotes from our 15+ partner insurers and present the trade-offs.

  3. 03 Step 3

    Policy issuance

    You pick the cover, we handle paperwork, payment scheduling and the certificate.

  4. 04 Step 4

    Claims & renewal

    When something happens, you call us — not the insurer. We manage the claim end-to-end and re-shop the cover at renewal.

Why it matters

Why Liability Insurance matters

Risk does not announce itself. The right policy means an accident, illness or loss disrupts a few days of your life — not years of your finances.

Available Cover

Cover Options

Tailored protection within Liability Insurance.

01

Professional Indemnity

Protection for businesses and professionals against breach of professional duty.

  • Negligent acts
  • Negligent errors or omissions
  • Legal defence costs
  • Recommended for solicitors, accountants, architects, doctors, engineers
Learn more →
02

Public Liability

Protection against legal liabilities arising from injuries or property damage to third parties.

  • Third-party bodily injury
  • Third-party property damage
  • Legal defence costs
Learn more →
03

Employers Liability

Protection for employers against legal liability for employee damages and lawsuit costs.

  • Employee death/injury due to employer negligence
  • Legal costs
  • Compensation payouts
Learn more →
04

Directors' & Officers' Liability

Cover for wrongful acts by directors and officers in their corporate capacity.

  • Personal liability cover
  • Company reimbursement section
  • Legal defence and settlements
Learn more →
FAQ

Frequently Asked

Everything you wanted to know about Liability Insurance.

Underwriters look at the value at risk, your claims history and a handful of risk-rating factors. We help you understand each factor and where you can negotiate or restructure.
Most claims are settled within 14–30 days of complete documentation. Our team chases the underwriter on your behalf so you do not have to.
Yes. Bundling typically unlocks loyalty discounts and a single renewal date — handy if you are also taking medical, motor or property cover with us.
We can usually amend the policy mid-term (add a vehicle, dependent or asset). Major changes may move to the next renewal — we will tell you up front.
Take the next step

Ready to protect your liability insurance?

Talk to a Oakstem advisor and get a tailored quote within 24 hours.

Chat with us