Liability Insurance
Protect your business against claims from customers, visitors and the public. Compare public liability, product liability and fidelity guarantee cover from leading insurers in Oman.
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Get your liability insurance quote
Tell us about your business and one of our advisors will come back with options from leading insurers.
- Public and product liability
- Cover for legal costs
- Limits set for your contracts
or call +968 7250 0052
Insurance products are offered by Trade Links Insurance Services SPC (Licence no. 47/B) in partnership with leading insurers.
Compare plans from leading liability insurers
- Al Madina Insurance Company
- Arabia Falcon Insurance
- Orient Insurance Company
- Dhofar Insurance Company
- GIG (AXA) Insurance
- Iran Insurance Company
- Liva Insurance
- Muscat Insurance Company
- Oman Qatar Insurance Company
- Oman United Insurance Company
- Saudi Arabia Insurance Company
- Sukoon (Oman) Insurance
- Takaful Oman
- New India Assurance
What is Liability Insurance?
Liability insurance pays compensation and legal costs if your business is held responsible for injury to people or damage to their property. Public liability covers your premises and activities; product liability covers goods you make, import or sell; fidelity guarantee covers losses from employee dishonesty.
Many contracts and tenders in Oman ask for proof of liability cover with a minimum limit. We help you choose the right limits and wording for your activities and contracts.
Who it’s for
- Shops, restaurants and offices that receive visitors
- Contractors working on client sites
- Manufacturers, importers and distributors
- Businesses handling cash or valuable stock
Why choose Liability Insurance with Trade Links
We match your cover to your activities and the limits your contracts require.
Get your Liability quotePublic liability
Injury or damage caused to visitors and the public by your business.
Product liability
Claims arising from products you make, import or sell.
Fidelity guarantee
Losses from theft or fraud by your employees.
Contract-ready limits
Limits and certificates that meet client and tender requirements.
Legal costs
Defence costs for covered claims, in addition to compensation where included.
Claims support
We help you report incidents and deal with claims.
What’s covered
Typical features. Exact cover, limits and exclusions depend on the insurer and the plan you choose.
Usually covered
- Injury to third parties caused by your business
- Damage to third-party property
- Legal defence costs for covered claims
- Claims from products you supply, under product liability
- Employee dishonesty, under fidelity guarantee
- Blasting operations, where specifically covered
Usually not covered
- Injury to your own employees (covered under employer’s liability)
- Damage to your own property
- Faulty workmanship or the cost of redoing work
- Contractual penalties and fines
- Pollution, unless sudden and accidental and covered
Frequently asked questions
Is liability insurance compulsory in Oman?
It is not required for every business, but many landlords, clients and tenders ask for it. Some activities have their own requirements.
Ask an advisorHow much cover do I need?
It depends on your activities and your contracts. Many contracts set a minimum limit; we can help you choose a limit that fits your risk.
Ask an advisorWhat is the difference between public and product liability?
Public liability covers your premises and activities. Product liability covers claims caused by the products you supply after they leave your hands.
Ask an advisorDoes it cover my employees?
No. Injury to your own employees is covered by employer’s liability or workmen’s compensation insurance.
Ask an advisorWhat is fidelity guarantee?
It covers money or goods lost through theft or fraud by your employees, up to the agreed limit.
Ask an advisor