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4.8 808 reviews

Specialist Liability Insurance Broker

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Riviera Insurance: Your Trusted Partner for Liability Insurance in the UK

Welcome to Riviera Insurance, your reliable source for comprehensive liability insurance solutions in the UK. We understand the importance of safeguarding your business and personal interests from unexpected liabilities. With our expertise in the insurance industry and a commitment to customer satisfaction, we strive to provide you with the best cover tailored to your needs. Whether you are a small business owner, a contractor, or an individual seeking personal liability protection, we’ve got you covered.

What do I need to get a liability insurance quote?

Getting an insurance quote with Riviera Insurance is quick and easy. To provide you with an accurate quote, we’ll need some basic information about your business or personal circumstances. Be prepared to share details about your industry, business size, turnover (if applicable), the nature of your operations, and any specific risk factors that may be relevant. Rest assured that our experienced team will guide you through the process and help you understand the cover options that suit your unique requirements.

Why get liability insurance with Riviera Insurance?

At Riviera Insurance, we take pride in our ability to offer top-notch liability insurance plans that go beyond mere protection. Here’s why countless clients trust us:

Tailored cover: We don’t believe in a one-size-fits-all approach. Our insurance experts work closely with you to create a customised liability insurance plan that precisely addresses your needs.

Industry Experience: With years of experience in the UK insurance market, we possess in-depth knowledge to identify potential risks and recommend the right cover to mitigate them effectively.

Excellent Customer Service: We prioritise our customers and are always available to provide support, answer queries, and assist you throughout your insurance journey.

Affordable Premiums: Our commitment to value means we offer competitive premiums without compromising on the quality of cover.

Our reviews

Discover what our satisfied clients have to say about their experience with Riviera Insurance. Read their genuine reviews and gain confidence in choosing us as your liability insurance provider.

Secure your peace of mind today with comprehensive liability insurance from Riviera Insurance. Reach out to us for a quote and let our team of experts safeguard your future.

Riviera Insurance
4.8
Based on 600 reviews
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Art NIArt NI
09:27 30 May 23
Simply the Best& Clearly much better than all the rest!Very pleased with the quotation I received renewed again this yearCustomer service is streets ahead polite, courteous and if they say they will call you back … surprise surprise they actually do- unlike most othersAll in all very happy
E SE S
21:02 26 May 23
Had a lovely experience with Riviera Insurance so far got the best quote online and a further discount during the call with the agent Beth which was lovely and very helpful throughout all the process. The app looks nice and clear. Would recommend to everyone I know
Pete JamesPete James
11:55 25 May 23
1st time searching for taxi insurance just for me (was a named driver before). Richard was very helpful, polite and friendly, guiding me though the process, with the best price quote - beating the competition.Very Happy with the whole process.
AshkalyAshkaly
11:58 17 May 23
Affordable and Reliable CoverageRiviera Insurance stands out as an affordable and reliable car insurance provider. They offer competitive rates, transparent policies, and excellent customer service. With a range of coverage options to suit different needs and budgets, Riviera Insurance ensures you can find the right policy. Their responsive customer service and convenient online tools make managing your policy hassle-free. For affordable and trustworthy car insurance, choose Riviera Insurance.
Alan BallAlan Ball
09:26 21 Apr 23
I purchased some Gap Insurance through Duncan at Riviera for my new BMW M440!I am absolutely delighted with the service I received and also the price I paid, BMW quoted me a figure that was 5 times higher than the amount I paid Riviera for effectively the same product. So for anyone looking for Gap cover all I can say is give Duncan a ring and you won't be disappointed !!
Stephen DareStephen Dare
11:24 28 Mar 23
Excellent customer service - needed liability insurance and Darren had great knowledge which lead to me knowing everything, without having to spend ages on the phone. He called back when he said he would a true asset to which has left an excellent impression of this company.
Virginia HarrowVirginia Harrow
11:39 25 Jan 23
Absolutely FIRST CLASS! I had to arrange new building insurance very quickly, after purchasing the freehold, and Tom was so brilliant. He sourced the market, and came back with a great offer, which I accepted. He was so easy to deal with, so professional, and so helpful. Very impressed with Riviera's service, and would not hesitate to recommend them. I shall definitely be using them for all my future insurance needs.
Mandy BMandy B
11:53 17 Oct 22
Riviera brought some calm ground into my stressful property purchase process. Tom set up a fairly priced building insurance ready for exchange of contracts. He was friendly, reassuring and easy to contact. Just what I needed. Thanks.
carlo bragagnolocarlo bragagnolo
14:53 12 Sep 22
I have found Riviera Insurance brokers to provide a good quality and professional service. I have used them for some two years now for insurance on my buy to let properties and they have always sought and found the most competitive policies for me to ensure that I don't spend over the odds on the insurance I am forced to purchase. I would highly recommend the service as well as the professional way they deal with me as their customer.
Chris KimberChris Kimber
21:31 10 Jul 22
Highly satisfied, very patient with me and made everything clear. They spend ages on the phone with me ensuring I had the right policy and I never felt rushed. When I had to cancel the policy when I left the trade they were equally as friendly and helpful. Top marks!
Russell FrostRussell Frost
08:28 01 Jun 22
I bought my minibus insurance last year with Riviera Insurance and was happy to renew it with them this year, first class service, very friendly, extremely professional. There communications is second to none, be it by email or phone call. If you're in the market for renewing your minibus or any insurance I'd give them a call first. Highly recommend
Liz AddisonLiz Addison
21:08 31 May 22
Great service. All standard checks made in plenty of time prior to renewal. All specific requirements listened to and addressed with updates provided timely. Clear and transparent communications. Quote sent with clear explanations of the cover being offered. Understood individual requirements for separate owners and for the policy as a whole. Would happily recommend Riviera.
Dazzler DjDazzler Dj
09:52 24 Jan 22
Amazing service - I Had a email about renewal - sent a reply and no more than 5 mins later received a phone call - I’m so impressed - it’s nice for a company to value your business - Sarah was very friendly extremely helpful and very professional - I would certainly recommend this company. - Dave Catmore
Jasper WybrantsJasper Wybrants
09:39 24 Jan 22
Tom was really responsive and came back with a really competitive quote really quick. Will use them again as the whole process was painless.
We’ve been with Riviera Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Claudia ApostolClaudia Apostol
15:19 21 Dec 21
Really nice team, I was insured for the last 3 years by this insurance company.Keep the good work!
Art NIArt NI
09:27 30 May 23
Simply the Best& Clearly much better than all the rest!Very pleased with the quotation I received renewed again this yearCustomer service is streets ahead polite, courteous and if they say they will call you back … surprise surprise they actually do- unlike most othersAll in all very happy
E SE S
21:02 26 May 23
Had a lovely experience with Riviera Insurance so far got the best quote online and a further discount during the call with the agent Beth which was lovely and very helpful throughout all the process. The app looks nice and clear. Would recommend to everyone I know
Pete JamesPete James
11:55 25 May 23
1st time searching for taxi insurance just for me (was a named driver before). Richard was very helpful, polite and friendly, guiding me though the process, with the best price quote - beating the competition.Very Happy with the whole process.
AshkalyAshkaly
11:58 17 May 23
Affordable and Reliable CoverageRiviera Insurance stands out as an affordable and reliable car insurance provider. They offer competitive rates, transparent policies, and excellent customer service. With a range of coverage options to suit different needs and budgets, Riviera Insurance ensures you can find the right policy. Their responsive customer service and convenient online tools make managing your policy hassle-free. For affordable and trustworthy car insurance, choose Riviera Insurance.
Alan BallAlan Ball
09:26 21 Apr 23
I purchased some Gap Insurance through Duncan at Riviera for my new BMW M440!I am absolutely delighted with the service I received and also the price I paid, BMW quoted me a figure that was 5 times higher than the amount I paid Riviera for effectively the same product. So for anyone looking for Gap cover all I can say is give Duncan a ring and you won't be disappointed !!
Stephen DareStephen Dare
11:24 28 Mar 23
Excellent customer service - needed liability insurance and Darren had great knowledge which lead to me knowing everything, without having to spend ages on the phone. He called back when he said he would a true asset to which has left an excellent impression of this company.
Virginia HarrowVirginia Harrow
11:39 25 Jan 23
Absolutely FIRST CLASS! I had to arrange new building insurance very quickly, after purchasing the freehold, and Tom was so brilliant. He sourced the market, and came back with a great offer, which I accepted. He was so easy to deal with, so professional, and so helpful. Very impressed with Riviera's service, and would not hesitate to recommend them. I shall definitely be using them for all my future insurance needs.
Mandy BMandy B
11:53 17 Oct 22
Riviera brought some calm ground into my stressful property purchase process. Tom set up a fairly priced building insurance ready for exchange of contracts. He was friendly, reassuring and easy to contact. Just what I needed. Thanks.
carlo bragagnolocarlo bragagnolo
14:53 12 Sep 22
I have found Riviera Insurance brokers to provide a good quality and professional service. I have used them for some two years now for insurance on my buy to let properties and they have always sought and found the most competitive policies for me to ensure that I don't spend over the odds on the insurance I am forced to purchase. I would highly recommend the service as well as the professional way they deal with me as their customer.
Chris KimberChris Kimber
21:31 10 Jul 22
Highly satisfied, very patient with me and made everything clear. They spend ages on the phone with me ensuring I had the right policy and I never felt rushed. When I had to cancel the policy when I left the trade they were equally as friendly and helpful. Top marks!
Russell FrostRussell Frost
08:28 01 Jun 22
I bought my minibus insurance last year with Riviera Insurance and was happy to renew it with them this year, first class service, very friendly, extremely professional. There communications is second to none, be it by email or phone call. If you're in the market for renewing your minibus or any insurance I'd give them a call first. Highly recommend
Liz AddisonLiz Addison
21:08 31 May 22
Great service. All standard checks made in plenty of time prior to renewal. All specific requirements listened to and addressed with updates provided timely. Clear and transparent communications. Quote sent with clear explanations of the cover being offered. Understood individual requirements for separate owners and for the policy as a whole. Would happily recommend Riviera.
Dazzler DjDazzler Dj
09:52 24 Jan 22
Amazing service - I Had a email about renewal - sent a reply and no more than 5 mins later received a phone call - I’m so impressed - it’s nice for a company to value your business - Sarah was very friendly extremely helpful and very professional - I would certainly recommend this company. - Dave Catmore
Jasper WybrantsJasper Wybrants
09:39 24 Jan 22
Tom was really responsive and came back with a really competitive quote really quick. Will use them again as the whole process was painless.
We’ve been with Riviera Insurance for over 5 years! They are professional, friendly and care about their customers. I highly recommend them.
Claudia ApostolClaudia Apostol
15:19 21 Dec 21
Really nice team, I was insured for the last 3 years by this insurance company.Keep the good work!
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What is liability insurance and why do you need it?

Liability insurance protects you from financial losses resulting from legal claims made against you or your business for third-party bodily injury, property damage, or personal injury. Even the most cautious individuals or businesses can face unexpected situations, and liability insurance provides a safety net in such cases. Without this insurance, you may be exposed to substantial legal expenses and compensation payments, potentially jeopardising your financial stability.

What type of liability insurance do I need?

The type of liability insurance you need depends on your unique circumstances. Common forms of liability insurance include:

Public Liability Insurance: Provides cover for claims made by third parties (e.g., customers, clients, or members of the public) for injuries or property damage that occur due to your business activities.

Employers’ Liability Insurance: Mandatory for businesses with employees, this insurance covers claims from employees who suffer injuries or illnesses while working for you.

Professional Indemnity Insurance: Essential for professionals providing advice or services, as it covers legal costs and claims arising from negligence, errors, or omissions.

How can I get cheaper liability insurance?

While the cost of liability insurance varies depending on several factors, here are some tips to help you secure affordable premiums:

Risk Management: Implement risk management practices to minimise the likelihood of claims and demonstrate your commitment to safety.

Bundle Policies: Consider bundling multiple insurance policies with us to avail discounts.

Voluntary Excess: Opt for a voluntary excess, which may lower your premium.

Review cover Limits: Ensure you have appropriate cover limits to avoid over-insuring.

What factors affect the cost of liability insurance?

Several factors can impact the price of liability insurance, including:

Business or Individual Risk Profile: High-risk industries or individuals may attract higher premiums.

Cover Limits: Higher cover limits often result in increased premiums.

Past Claims History: Previous claims can affect your perceived risk and premium calculations.

Business Size and Turnover: Larger businesses or those with higher turnovers may have higher premiums.

Make the most out of your liability insurance with our optional upgrades and add-ons:

Enhance your liability insurance cover with our optional upgrades and add-ons. These may include:

Product Liability Insurance: cover for claims related to products you sell or manufacture.

Cyber Liability Insurance: Protection against data breaches and cyber-attacks.

Directors and Officers (D&O) Insurance: cover the personal liability of company directors and officers.

Download our FREE app

At Riviera Insurance, we want to help you. That is why we have developed the Riviera Insurance App to help you easily upload documents, view your documents, report claims and much more.

What types of liabilities can I insure?

At Riviera insurance, we offer liability insurance cover for various situations, including:

General Business Liability: cover for businesses facing risks related to operations and interactions with the public.

Professional Indemnity: Protection for individuals in service-based professions against claims of errors or negligence.

Frequently asked questions

Liability insurance is a type of insurance cover that protects individuals and businesses from financial losses arising from legal claims or lawsuits filed against them for bodily injury or property damage they may cause to others.

Liability insurance generally covers the cost of legal defence, settlement, or judgment if you are found legally responsible for causing bodily injury or property damage to a third party.

Liability insurance typically covers claims related to bodily injury and property damage caused by your business operations. On the other hand, professional indemnity insurance (also known as errors and omissions insurance) covers claims related to professional services and advice provided by your business.

In many cases, liability insurance is not legally required by the government, but it is highly recommended for businesses and individuals who want to protect themselves from potentially costly lawsuits.

The appropriate amount of liability cover varies depending on your business size, industry, risk exposure, and local regulations. It’s advisable to discuss your specific needs with an insurance professional or broker to determine the right cover limits.

No, liability insurance typically does not cover intentional acts, fraud, or criminal activities. It is designed to protect against accidental or negligent actions.

No, liability insurance does not cover injuries to your employees. For that purpose, you would need Employers Liability insurance, which is designed specifically to cover workplace injuries.

Liability insurance covers damages you may be legally liable for causing to others, while property insurance typically covers damage or loss to your property.

Yes, liability insurance is often available as a standalone policy, but it can also be part of a broader package or business owners’ policy, which includes other types of coverage relevant to your business.

Big enough to save, small enough to care.

Our staff are empowered to contact insurance companies and underwriters on your behalf, giving an entirely personal service across the whole UK with no call centres. We take the time to know your insurance needs to offer you the cheapest insurance policy.

With the added benefit of optional cover, options are to suit you and your pocket. So, finding cheap insurance has never been more simple.

If you are local to Torbay, you can even pop in and see us arrange your insurance at our high street office on Union Street in Torquay.