About Us

GARD provides Public & Products Liability Insurance to a diverse range of businesses from Small/Medium Enterprises (SME’s) through to multinational businesses. Our experience in this line of business enable us to tailor liability programs suitable to your client’s needs. 

GARD is backed by the financial strength of Lloyd’s of London, and prides itself on responsive service and flexible coverage options.

Our Focus

  • Broadform Public & Products Liability — $50M Limit

  • Incidental Professional Indemnity (when written in conjunction with Public & Products Liability) — $10M Limit

  • Umbrella Liability (either “stand-alone” or following GARD primary Public & Products Liability policy) — $50M Limit

  • Excess Liability — $50M Limit

  • Errors & Omissions Liability (when written in conjunction with Public & Products Liability) — $10M Limit

  • Goods in the Custody or Control of the Insured — $250K standard sublimit to a maximum $50M Limit

  • Blanket Contractual Liability

Download our factsheet here.


Policy Wordings


Excess Liability Policy
Umbrella Liability Policy
Combined Public/Products Liability Policy
Combined Public/Products and Professional Indemnity


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