Liability Insurance

In today's dynamic business environment, liability risks can arise from a variety of sources, including third-party actions, products, emerging risks and environmental catastrophes.

Regardless of size, businesses need a reliable insurance partner with the experience and ability to adapt to this ever-changing liability environment. Allianz Commercial, with its extensive expertise, is the ideal long-term ally you can trust.

Our liability insurance teams provide you with customized coverage that is tailored to your specific needs. With a diverse client portfolio, we serve a wide range of industries, including pharmaceutical manufacturers, construction companies, energy and utilities, automotive manufacturers, and specialized small and mid-sized businesses.

At Allianz Commercial, we understand that every business faces unique risks and challenges. That's why we offer a wide range of commercial general liability insurance and specialty liability insurance solutions. Whether you need coverage for bodily injury, property damage or pure financial loss, we have the right solution for you.

Our flexibility extends to the structure of our policies. We can provide coverage through individual primary policies, excess layers, umbrella policies or even  global insurance solutions that cover multiple risks in multiple locations. This ensures that you get exactly the level of protection your business needs, no matter how complex your operations.

When you choose Allianz Commercial, you not only gain access to coverage, but you also partner with a trusted and reliable liability insurance expert. Our commitment to exceptional service and our ability to stay ahead of emerging risks means you can navigate the liability scene with confidence.


We specialize in protecting businesses of all types against liability claims, welcoming the challenge of developing customized solutions for complex risks.

We've earned a reputation as a trusted leader in liability risks, offering comprehensive and tailored coverage solutions for your commercial liability and product liability needs.

Our market-leading capabilities are backed by long-term commitment and financial strength.

Our coverage includes:

  • Commercial General Liability
  • Accident & Health
  • Workers Compensation and Employer Liability
  • Public Liability
  • Products Liability
  • Construction Liability
  • Clinical Trials
  • Environmental Impairment Liability
We offer a range of commercial general liability and specialist liability insurance products, covering personal or bodily injury, property damage and pure financial loss.
Our specialist Clinical Trials insurance team provides cover for all phases of clinical trials. This is an additional product to the public and product liability cover, available in selected countries.
We help your company evaluate, mitigate, and protect against environmental risks, with tailored solutions in the areas of premises pollution and contracting pollution.
  • Customer needs, and how we can provide a first-class proposition to meet these
  • The industry experience and reputation of the proposer
  • Actual loss history, as well as how this might change due to action taken by the proposer or external influencing factors
  • What the proposer does to manage, reduce, and mitigate their exposure to risk events
  • Risk quality indicators, for example, quality accreditations awarded, membership of organization bodies with high entry requirements
  • What the proposer does to ensure that they have a value added impact on society
  • What the proposer does in order to ensure that their employees are appropriately skilled and have an opportunity to develop

Allianz Commercial will consider every risk on its own merit. Capacity and coverage offered to individual clients are subject to hazard, Nat Cat exposure, grading, terms and conditions. The products and services described on this page may not be available at all Allianz Commercial locations. This is for your general information only. Please contact your local broker for full information on local product availability.
 
We offer tailored solutions for Mid and Large corporate clients through an intermediary.


The range of exposures facing corporates, as well as subsequent loss and claims scenarios, have increased significantly in recent years with rising court costs and litigation, disruptive recalls, political violence and environmental issues among just some of the many challenges.

In this report, Allianz Commercial liability claims experts highlight five loss trends to watch in future, given their potential impact for risk managers and their organizations, broker partners and insurers.

  • Global consistency, local expertise: Access to top regional experts for a consistent, high-quality experience worldwide.
  • Speed and clarity: Streamlined communication and rapid go-to-market for faster results.
  • Direct, empowered access: Work with coordinated teams for seamless sales, account management and underwriting.
  • Comprehensive risk solutions: Market-leading options for traditional and alternative risks with a consistent global approach.
  • Specialized expertise for complex risks: Global hubs support specialty and wholesale needs, including large, complex risks.
  •  Solutions for every size: From mid-market to multinational, we cover the entire market.