What is Liability Insurance?

This policy covers your legal liability against third party arising out of negligence on your part. 

Key coverage

Here is an overview of your coverage

Liability Insurance

Liability Insurance

You are covered in the following ways:

  • Bailees liability
    Insures your legal liability against the loss arising to the Property of others which occurs while the Property is in your care, custody or control as the carrier of the goods.
  • Errors and omission insurance (MCST)
    Insures against the loss  arising from wrongful act committed by you in your capacity as a Council Member of the Management Corporation.
  • Products liability
    Insures your legal liability against the loss arising from defective products sold, supplied, repaired or treated by you.
  • Professional indemnity
    Insures your legal liability against the loss arising out of rendering your professional services like Lawyers, Doctors, and Architects.
  • Public liability
    Insures your legal liability against the loss arising out of your business operations.

How much is my premium?

Your premium may vary, depending on:

  • Our underwriting requirements

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What we don’t cover

  • War, civil war and any act of terrorism
  • Radioactive and nuclear energy risks
  • Loss or damage caused by pollution or contamination
  • Exclusion of Third Parties from Enforcing a Policy Term
  • Internet Liability exclusion
  • Electronic date exclusion
  • Political Risks exclusion
  • Liability to any person under a contract of service
  • Loss or damage to property belonging to you
  • Libel and slander


This list is non-exhaustive.  Please refer to the sample policy contract for the full list of exclusions under this Policy.

Important information

This insurance is underwritten by Tokio Marine Insurance Singapore Ltd. All benefits and features mentioned here are subject to the terms and conditions of the policy. Please refer to the policy contract for the precise terms and conditions of this insurance plan. The information shown here is for reference only.