--- title: Comprehensive Products Liability Insurance Coverage description: Discover comprehensive insurance coverage tailored to meet the unique needs of your business. --- [![FEC logo](https://fecmutual.com/hubfs/FEC%20logo.png)](https://fecmutual.com) - [Cover](https://fecmutual.com/comprehensive-products-liability-insurance-coverage) - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Insights & Advice](https://fecmutual.com/insights-and-advice) - Member Area - [Voting Member](https://fecmutual.com/voting-member) - [Become A Member](https://fecmutual.com/contact-us-fec-mutual) [Contact Us](https://fecmutual.com/contact-us-fec-mutual) # Liability & Property Coverage We can facilitate a comprehensive range of products and services specifically tailored to meet the unique needs of our FEC members, as we understand that the assets and activities of FEC organisations are wide-ranging. With FEC Mutual by your side, companies can effectively mitigate emerging risks and safeguard their operations. [Get a Quote](https://fecmutual.com/contact-us-fec-mutual) ![Trampolines](https://fecmutual.com/hubfs/Gravity-Active-Trampolines-1.png "Trampolines") ## Our Public Liability Coverage We provide a first-rate alternative to conventional Public Liability insurance, with none of the 'Conditions, Precedent' that can invalidate our competitors’ coverage. This tailored alternative to conventional insurance allows us to cater for the unique needs of your organisation. ###### Other Liability & Property Cover We, via our Managers Tower Insurance Brokers Limited, can also provide other key Liability and Property covers, including:   - **Property Damage and Theft** – Buildings, contents, stock, personal belongings. - **Business Interruption** – Loss of revenue and/or additional costs following an interruption caused by covered property damage or other specified events. - **Employers’ Liability** – Legal liability to employees for injury, death, or illness. - **Product Liability** – Legal liability to members of the public for injury, death or illness and damage to property. - **Trustee and Management Liability** – Personal legal liability of trustees, officers, directors, employees and volunteers for errors or omissions in the management and administration of affairs. - **Professional Indemnity** – Legal liability for negligent acts, errors, omissions, or negligent breach of duty arising from the provision of professional services or advice, unintentional defamation, and breach of confidentiality. - **Fidelity** – Loss of money or goods caused by the dishonesty of employees or volunteers. - **Money** – Theft of money, identity theft and fraudulent use of cards. - **Equipment Breakdown** – Repair or replacement of electrical or mechanical equipment which breaks down. - **Goods in Transit** – Goods whilst in transit by road, rail, post or sea in the UK and Eire. - **Personal Accident** – Death and injury cover for permanent employees (optional cover for volunteers). - **Loss of Licence** – Loss of revenue or the depreciation of the financial interest in the premises following the withdrawal of an alcoholic beverages licence by something outside the Member's direct control. ###### Additional Cover In addition, insurance can be arranged for:   - Terrorism - Legal Expenses - Contractors' All Risks - Pension Trustees' Indemnity - Travel - Engineering Inspection - Motor Fleet ## **The Benefits of Mutual Membership ** Discover the exclusive advantages of becoming a Mutual Member, where a well-established and effectively managed mutual can offer you unique benefits.  #### **Members for Members** We are offering a unique sense of community. FEC Mutual is creative and sustainable alternative to the broken insurance market: it's a group of like-minded businesses all facing similar issues with insurance and risk management. #### **Reduced Frictional Costs** Our operating model ensures transparency in earnings, eliminating the opaque mechanisms used by some insurance brokers for generating undisclosed fees and commissions. #### **Risk Management Focused** As a member, you benefit from improved risk management practices, leading to a potential reduction in the total cost of risk across the sector. #### **Members Own the Mutual** Unlike traditional insurance structures, FEC Mutual is owned by its members. Your involvement directly influences the decisions and directions of the mutual, ensuring alignment with members' interests. #### **Consideration of Member Claims** While claims are paid at the discretion of the Board, being a member-owned organisation means your claims are considered with a sympathetic understanding of the challenges unique to your industry. Expect a responsive and considerate approach to your claims. #### **Sustainable Competitiveness** We are committed to providing sustainable competitiveness for our members. We may not always be the cheapest but we will be here when you need us. By being a member of our mutual, you access stability, expertise and an understanding of the ever-changing landscape of activities sector. ## FEC Mutual Comprehensive Insurance Coverage #### Advertising Injury Protect your business from damages and defence costs from certain advertising activities. LEARN MORE #### Court Attendance Receive compensation for court attendance, ensuring your business is supported during legal proceedings. LEARN MORE #### Motor Liability Have a legal liability that covers a business when faced with damages and defence costs arising from using any motor vehicle. LEARN MORE #### Contractual Liability Safeguard against legal liabilities arising from contractual agreements with third parties. LEARN MORE #### Criminal Legal Expenses Covers the legal expenses incurred in defending a business against criminal proceedings arising from a breach of certain laws. LEARN MORE #### Cross Liabilities Protection against legal claims involving disputes among various parties within your business. LEARN MORE #### Damage to Lease Coverage for damages to leased or rented premises, reducing the financial impact on your business. LEARN MORE #### Data Protection Act Stay compliant with the Data Protection Act and receive coverage for related legal challenges. LEARN MORE #### Defective Premises Act Protection against liabilities arising from premises defects, ensuring your business's peace of mind. LEARN MORE #### Indemnity to Principal and Others Coverage that extends indemnity to principals and other key stakeholders in your business. LEARN MORE #### Joint Ventures Mitigate risks associated with joint ventures through our specialised insurance solutions. LEARN MORE #### Member to Member Liability Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member. LEARN MORE #### Obstructing Vehicles Protection against legal liabilities in case of personal injury or property damage arising from any motor vehicle movement in your business operations. LEARN MORE #### Overseas Personal Liability Extend your coverage to overseas operations incurred during temporary visits outside the country of residence as it is related to the business. LEARN MORE #### Unsatisfied Court Judgment Covering damages and defence costs when an employee sustains personal injury within the specified geographic limits. LEARN MORE #### Vendors Liability Protect your business from liabilities related to vendors, suppliers, and third-party partnerships.  LEARN MORE ## FEC Mutual Comprehensive Coverage #### **Advertising Injury** Protect your business from damages and defence costs from certain advertising activities. #### **Court Attendance** Receive compensation for court attendance, ensuring your business is supported during legal proceedings. #### **Damage to Lease** Coverage for damages to leased or rented premises, reducing the financial impact on your business. #### **Contractual Liability** Safeguard against legal liabilities arising from contractual agreements with third parties. #### **Indemnity to Principal and Others** Coverage that extends indemnity to principals and other key stakeholders in your business. #### **Joint Ventures** Mitigate risks associated with joint ventures through our specialised insurance solutions. #### **Member to Member Liability** Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member. #### **Cross Liabilities** Protection against legal claims involving disputes among various parties within your business. #### **Obstructing Vehicles** Protection against legal liabilities in case of personal injury or property damage arising from any motor vehicle movement in your business operations. #### **Overseas Personal Liability** Extend your coverage to overseas operations incurred during temporary visits outside the country of residence as it is related to the business. #### **Unsatisfied Court Judgment** Covering damages and defence costs when an employee sustains personal injury within the specified geographic limits. #### **Vendors Liability** Coverage for liabilities arising between members of your business or organisation in respect of personal injury to any other member. #### **Motor Liability** Have a legal liability that covers a business when faced with damages and defence costs arising from using any motor vehicle. #### **Criminal Legal Expenses** Covers the legal expenses incurred in defending a business against criminal proceedings arising from a breach of certain laws. #### **Data Protection Act** Stay compliant with the Data Protection Act and receive coverage for related legal challenges. #### **Defective Premises Act** Protection against liabilities arising from premises defects, ensuring your business's peace of mind. ## **Ensure Comprehensive Protection for Your Business!** Discover a tailored alternative to conventional insurance solutions for the unique needs of your business. Consult with us today for comprehensive coverage and peace of mind. Get Covered ![Softplay ](https://fecmutual.com/hubfs/Gravity-Active-Softplay-1.png "Softplay ") ## Partners - ![UKHospitality Logo Main Colour](https://fecmutual.com/hs-fs/hubfs/UKHospitality%20Logo%20Main%20Colour.png?width=143&height=85&name=UKHospitality%20Logo%20Main%20Colour.png)   - ![TIB gradient purple-01](https://fecmutual.com/hs-fs/hubfs/TIB%20gradient%20purple-01.png?width=143&height=81&name=TIB%20gradient%20purple-01.png)   - ![Screenshot 2024-02-29 182925 copy (1)](https://fecmutual.com/hs-fs/hubfs/Screenshot%202024-02-29%20182925%20copy%20(1).png?width=170&height=56&name=Screenshot%202024-02-29%20182925%20copy%20(1).png)   - ![McLarens-logo-rgb Seethrough](https://fecmutual.com/hs-fs/hubfs/McLarens-logo-rgb%20Seethrough.png?width=183&height=55&name=McLarens-logo-rgb%20Seethrough.png)   - ![Mulberry Risk Logo 2023 \[Pink & Black\]\[RGB\]](https://fecmutual.com/hs-fs/hubfs/Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg?width=248&height=33&name=Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg)   - ![UKHospitality Logo Main Colour](https://fecmutual.com/hs-fs/hubfs/UKHospitality%20Logo%20Main%20Colour.png?width=143&height=85&name=UKHospitality%20Logo%20Main%20Colour.png)   - ![TIB gradient purple-01](https://fecmutual.com/hs-fs/hubfs/TIB%20gradient%20purple-01.png?width=143&height=81&name=TIB%20gradient%20purple-01.png)   - ![Screenshot 2024-02-29 182925 copy (1)](https://fecmutual.com/hs-fs/hubfs/Screenshot%202024-02-29%20182925%20copy%20(1).png?width=170&height=56&name=Screenshot%202024-02-29%20182925%20copy%20(1).png)   - ![McLarens-logo-rgb Seethrough](https://fecmutual.com/hs-fs/hubfs/McLarens-logo-rgb%20Seethrough.png?width=183&height=55&name=McLarens-logo-rgb%20Seethrough.png)   - ![Mulberry Risk Logo 2023 \[Pink & Black\]\[RGB\]](https://fecmutual.com/hs-fs/hubfs/Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg?width=248&height=33&name=Mulberry%20Risk%20Logo%202023%20%5BPink%20%26%20Black%5D%5BRGB%5D.jpg)   ### Subscribe to Our Newsletter for Exclusive Updates Receive expert tips, industry news, and tailored solutions delivered straight to your inbox. 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[![FEC logo](https://fecmutual.com/hs-fs/hubfs/FEC%20logo.png?width=200&height=97&name=FEC%20logo.png)](https://fecmutual.com) **F**amily **E**ntertaiment **C**entre **M**utual Managed by Tower Insurance Brokers ### Resources - Member Area - [Insights & Advice](https://fecmutual.com/insights-and-advice) - [Subscribe to our Newsletter](https://fecmutual.com/#subscribe-to-newsletter) ### Company - [What's FEC Mutual](https://fecmutual.com/fec-mutual-tailored-protection-community-support) - [About Us](https://fecmutual.com/innovative-insurance-solutions-for-activities) - [Contact Us](https://fecmutual.com/contact-us-fec-mutual) ### Policies - [Privacy Policy](https://fecmutual.com/privacy-policy) - [Cookie Policy](https://fecmutual.com/cookie-policy) - [Terms and Conditions](https://fecmutual.com/terms-and-conditions) FEC Mutual Limited are a company registered in England and Wales (Registration No: 13422679), Registered Office: 7-9 Church Road, Lytham, Lancashire FY8 5LH FEC Mutual Limited are an Appointed Representative (FRN:958319) of, and are managed by, Tower Insurance Brokers Limited, a company authorised and regulated by the Financial Conduct Authority (FRN: 805562). Tower Insurance Brokers Limited are a company registered in England and Wales (Registration No. 10691863); whose Registered Office is located at 7-9 Church Road, Lytham, Lancashire FY8 5LH. © Copyright 2026 FEC Mutual Limited, All Rights Reserved