About Us

GARD provides Public and Products Liability insurance to a diverse range of businesses, from small and medium enterprises through to multinational organisations. Our experience in this class of business enables us to tailor liability programmes to meet our clients’ specific needs.

Our long-standing insurer relationships enable us to deliver flexible coverage solutions, supported by responsive service and a collaborative approach to risk.

Our Focus

  • Broadform Public & Products Liability

  • Incidental Professional Indemnity (when written in conjunction with Public & Products Liability)

  • Umbrella Liability (either “stand-alone” or following GARD primary Public & Products Liability policy)

  • Excess Liability

  • Errors & Omissions Liability (when written in conjunction with Public & Products Liability)

  • 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


Contact your underwriter