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General liability insurance

Liability insurance acts as a safety net for your business and can help cover financial claims if something unforeseen should occur.

Negotiations
  • Covers legal liability for damages

  • Provides security for the business

  • Tailored to the business's needs

What is liability insurance?

Liability insurance from DNB protects the business against financial losses from claims for personal injury, property damage or financial harm to third parties. This provides peace of mind in the face of unexpected events.

Business and product liability

Business and product liability insurance covers the business's legal liability for damage to third parties' property or persons. This includes damages that occur in connection with running the business or as a result of technical failure or safety defects in a product produced or supplied by the company. The insurance also covers the business's liability as an owner or user of buildings involved in its operations.

Ancillary benefits

By adding ancillary insurance, you can customise the coverage according to the company's needs and get extra protection against specific risks. By combining liability insurance with ancillary insurance, you can tailor the coverage exactly to your business.

Read more about ancillary benefits:

Asset Liability

Covers the legal liability a company may have for financial losses. This applies to losses that are not related to physical damage to persons or things. The injury or damage must have occurred as a result of something the company has done or failed to do.

Product information (IPID)

Economic loss (PDF, Norwegian)

Advisory engineers and architects

Covers statutory liability for injury/damage to people and things, and for financial loss. We offer this cover to companies that design, plan or give advice.

Product information (IPID)

Advisory engineers and architects (PDF, Norwegian)

Landlord

The insurance can cover financial losses resulting from liability for damages to third-party persons or property.

Product information (IPID)

Landlord (PDF, Norwegian)

Board of Directors’ liability

Covers claims against the board and management, based on something they’ve done or failed to do previously, now or in the future.

Product information (IPID)

Board of Directors’ liability (PDF, Norwegian)

Freight forwarding

Covers the liability a freight forwarding company may have. The insurance is a combination of our cover for freight forwarding and corporate liability.

Product information (IPID)

Freight forwarding (PDF, Norwegian)

Oil and gas activities

This insurance covers losses resulting from the policyholder being liable for damage to a person or things.

Product information (IPID)

Oil and gas activities (PDF, Norwegian)

Environmental insurance

Covers the company’s responsibility under the Biodiversity Act to restore biodiversity.

Product information (IPID)

Environmental insurance (PDF, Norwegian)

Builder’s liability

Ensures that the business can continue if a liability claim is made against it. Covers damage that has occurred during the insurance period and which is discovered no later than one year after the insurance has expired.

Product information (IPID)

Builder’s liability (PDF, Norwegian)

Unregistered motor vehicles

The insurance covers financial losses from damages caused by motor vehicles without their own liability insurance.

Product information (IPID)

Unregistered motor vehicles (PDF, Norwegian)

Legal aid
  • Covers expenses for legal aid when a company becomes involved in a conflict which must be resolved in the courts.
  • Necessary expenses for lawyers or legal aid and court fees.
  • Expenses for experts. These are expenses that are not determined by the court, and the insurance company must approve them in advance.

Product information (IPID)

Legal aid (PDF, Norwegian)

Building under construction

Insurance can be taken out for buildings that are used as permanent residences. The insurance covers buildings with fixed equipment which is normal for the purpose of the building. This can be, for example, kitchen fittings, piping, heating installations.

Product information (IPID)

Building under construction (PDF, Norwegian)

Ancillary benefits for objects:

Tail Liability Insurance

Tail liability insurance covers damages that are determined after a business has been dissolved, provided there is legal liability for compensation. This is relevant for organiser liability, short-term insurance and sole proprietorships that are shut down. The insurance can be purchased when the business is dissolved for natural reasons, such as retirement age or transitioning to another job.

Cable Car

Liability insurance for cable cars covers damage that may occur during the use of cable cars such as chairlifts, T-bar lifts and button lifts.

The requirements for the sum insured vary with the type of cable car and the potential for damage. For example, T-bar lifts must be insured with a coverage of at least 400 G, while button lifts require at least 200 G.

Organiser liability

A temporary insurance that covers the company's liability for injuries that may occur during the event.

Drone

If the company uses drones in its operations, you must have liability insurance that covers any damages to persons or property caused by the drone.

The insurance covers commercial use of drones weighing up to 4.5 kg in the open category. The sum insured is NOK 10 million and only covers legal use of the drone. The policyholder is responsible for ensuring that the drone is registered and that flying is allowed at the given location and time.

T-bar lifts

The insurance covers liability for damages that may occur during the use of T-bar lifts.

T-bar lifts must have liability insurance that covers damages that may occur during their use. This insurance helps cover costs and insurance settlements in case of an accident. Ski resorts generally have a good focus on safety, and the insurance provides financial protection in case of injuries. When you purchase the insurance, you must provide information about the facility's age, maintenance, number of trips per year, number of cable cars, and any previous injuries. This provides peace of mind for both the operators and the users.

Big Air and other fun things

New features on ski slopes, such as Big Air Bags, can increase the risk of injuries. The insurance covers liability for injuries that occur from the use of such features, provided that safety requirements and maintenance routines are followed. It is important to have written guidelines for usage, supervision and maintenance to protect against liability claims.

terms and conditions, and product information

Terms and conditions - General liability (PDF, Norwegian) Product information (PDF)

Our non-life insurance products

  • General liability insurance

    Provides cover for liability

  • Commercial tractor, mobile plant and equipment insurance

    Covers commercial plant machinery and tractors

  • Vehicle insurance

    Covers damage to company vehicles

  • Housing cooperative and co-ownership insurance

    Covers unforeseen events in the housing association

  • Commercial boat insurance

    Insures companies in tourism and work boats

  • Cyber insurance

    Secures immediate help in the event of data breaches

  • Business interruption insurance

    Covers damage that affects operations

  • Asset insurance

    Covers damages or accidents related to assets

  • Crime insurance

    Covers financial losses resulting from embezzlement

  • HGV insurance

    Covers the company’s HGVs and covers road assistance

  • Commercial buildings insurance

    Covers damage to one or more buildings you own

  • Projects and contract works insurance

    Covers values related to building and construction sites

  • Commercial all risks insurance

    Covers losses or damage to special equipment and objects

  • Commercial trailer insurance

    Covers commercial van and HGV trailers

  • Transport insurance

    Covers businesses that transport products or assets

  • Test plate insurance

    Covers car dealers for test drives

Provider of the insurance

The insurance is provided by Fremtind Forsikring. In order to give you an offer, calculate the price and buy insurance, DNB will transfer your personal data to Fremtind. You can read more about how Fremtind processes personal data in Fremtind’s personal privacy statement.

Questions and answers about liability insurance for businesses

What is liability insurance?

Liability insurance covers the company’s legal liability for damage caused to a third party or third party’s assets.

Is insurance important for small businesses?

Yes, small businesses can be just as exposed to compensation claims as larger businesses.

Who needs liability insurance?

All companies that can be exposed to financial demands from customers, suppliers or the public should have liability insurance.