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Liability extensions
Efficacy Insurance
Efficacy cover is relevant where a product, installation, system or service is expected to perform a specific function. If it fails to work as intended, standard public liability wording may not be enough.
Review efficacy insuranceWho It Is For
- Fire, security, alarm, suppression and safety-system contractors
- Installers or suppliers where failure to perform could cause loss
- Construction, technology and specialist service businesses with performance obligations
Cover To Review
- Public and products liability wording
- Efficacy or failure-to-perform extensions
- Professional indemnity where advice, design or specification is involved
- Contract works, tools, plant and commercial combined cover where relevant
Underwriting Detail
- Products or systems supplied and what they are expected to do
- Design, installation, testing and maintenance responsibilities
- Standards, accreditations, commissioning records and contracts
- Claims, complaints and quality-control process
Efficacy Insurance FAQs
What is efficacy insurance?It is liability cover for claims linked to a product, system or service failing to perform its intended function.
Is efficacy the same as professional indemnity?No. Efficacy often sits near public or products liability, while professional indemnity responds to advice, design or professional service errors.
Which businesses should ask about efficacy?Alarm, fire, safety, security, treatment, technical and performance-critical contractors should check whether efficacy exclusions apply.