General liability
Risk

General liability

The foundation of every corporate program: protection when your operations, premises or products cause damage to third parties.

Any company, whatever its size, can unintentionally cause damage to a third party — a customer injured on your premises, a product that fails, work that affects a neighbor. General liability protects your assets against those claims and the legal costs they bring. We structure the limit and additional coverages around your real activity, with a combined single limit that simplifies protection.

ExpressQuote→ WhatsAppTalk to a broker
↓Quote just below
Mint Group · Commercial brand of Pledge Co, S.A. · SSRP PJ 995
We represent
Internacional de SegurosMAPFRESURAASSAMercantilAcertaAncónBanesco SegurosCHUBB
Express QuoteQuote your business liability
Ideal for
Shops and premisesContractorsManufacturers and distributorsService providers

What your policy can cover

01
Premises & operations
Injury or damage to third parties on your premises and during daily activity.
02
Products liability
Claims over damage caused by what you make, sell or install.
03
Employer’s liability
Backing against employee claims for workplace accidents, per conditions.
04
Contractors & subcontractors
Coverage for work performed by you or by third parties in your charge.
05
Care, custody & control
Damage to third-party property under your possession or custody.
06
Legal defense & bonds
Defense costs and court bonds included per policy conditions.

Additional coverages & options

Don’t see what you’re looking for? There’s far more — we work with nearly every coverage in the market. Tell us what you need.

+Professional liability (errors & omissions)
+Directors & officers (D&O)
+Vehicle and equipment liability
+Liability for trips abroad
+Tenant’s liability
+Tailored limits and sublimits

When your policy responds

A customer is injured
Someone slips on your premises and is hurt. Premises liability covers the compensation and legal defense.
A product fails
An item you sold causes damage. Products liability responds to the injured party’s claim.
Third-party damage on site
Your operation affects a neighboring property. The policy covers the repair and associated costs.

Frequently asked questions

What people ask us most about this coverage.

What is the combined single limit?
A single global limit that applies to both injury and property damage per event or accident. It simplifies and adds flexibility.
What doesn’t a liability policy cover?
Typically contractual breaches, fines, genetic damage and gradual pollution. We review exclusions with you before you buy.
Is it mandatory?
Not always by law, but many contracts and leases require it — and it protects your assets against costly lawsuits.
How is the limit set?
By your activity, size and exposure. We recommend an appropriate limit and its additional coverages.
Let’s design your coverage.
Let’s talk about your coverage WhatsApp
This content is general and informational. Coverages, limits and exclusions are governed by the conditions of each policy and carrier.
Guide: business insurance in Panama →See all coverages →