Liability Insurance

Liability insurance protects businesses of all sizes from liability claims.

Business owners are exposed to a range of liabilities, any of which can subject their assets to substantial claims. All business owners need to have an asset protection plan in place that’s built around available liability insurance coverage.

Coverage
  • Provides the insured party with protection against claims resulting from injuries and damage to people and/or property
  • Covers legal costs and payouts for which the insured party would be found liable
  • Provisions not covered include intentional damage, contractual liabilities and criminal prosecution

Public Liability

Public Liability insurance is considered essential in businesses that involve regular interactions between the members of the public and the company, such as retail businesses, restaurants, clinics and more.

The insurance covers your legal liability to a third party as a result of an accident happening in connection with your business operations. It indemnifies you against all sums that you become legally liable for, in terms of damages and claimant’s costs and expenses in respect of:

  • Bodily injuries, including illnesses, to any person
  • Losses or damages to property
  • Legal expenses incurred in your legal proceeding defence

Product Liability

Whether you’re a manufacturer, a vendor, a supplier or an exporter, you are exposed to the risk of product liability claims.

The insurance indemnifies the insured for sums that you become legally liable to pay as damages for bodily injury or property damage to third party arising out of defective products.

In addition, the policy will indemnify you for defence costs and expenses incurred in respect of a claim to which the policy applies.

Professional Indemnity Liability

The Professional Indemnity (PI) insurance protects professionals, such as accountants, solicitors, architects and engineers, against their legal liability to pay damages to persons who have sustained financial loss arising from their own professional negligence or that of their employees in the conduct of the business.

The insurance offers indemnity strictly on legal liability basis.

In addition to indemnifying the professional against his professional liability, the PI insurance also indemnifies him for defence cost and expenses incurred in respect of a claim.

Public Liability

Public Liability insurance is considered essential in businesses that involve regular interactions between the members of the public and the company, such as retail businesses, restaurants, clinics and more.

The insurance covers your legal liability to a third party as a result of an accident happening in connection with your business operations. It indemnifies you against all sums that you become legally liable for, in terms of damages and claimant’s costs and expenses in respect of:

  • Bodily injuries including illnesses to any person
  • Losses or damages to property
  • Legal expenses incurred in your legal proceeding defence

Product Liability

Whether you’re a manufacturer, a vendor, a supplier or an exporter, you are exposed to the risk of product liability claims.

The insurance indemnifies the insured for sums that you become legally liable to pay as damages for bodily injury or property damage to third party arising out of defective products.

In addition, the policy will indemnify you for defence costs and expenses incurred in respect of a claim to which the policy applies.

Professional Indemnity Liability

The Professional Indemnity (PI) insurance protects professionals, such as accountants, solicitors, architects and engineers, against their legal liability to pay damages to persons who have sustained financial loss arising from their own professional negligence or that of their employees in the conduct of the business.

The insurance offers indemnity strictly on legal liability basis.

In addition to indemnifying the professional against his professional liability, the PI insurance also indemnifies him for defence cost and expenses incurred in respect of a claim.

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