Liability Insurance

Liability Insurance cover is critical for businesses and corporate entities who may be held liable for injuries to third parties and/or damage to third-party property for which they are legally liable. This also covers professional malpractice. 

Classes include:

• Public liability

With this policy, your Organization will be compensated against all sums which it will become legally liable to pay in respect of accidental death of or bodily injury or disease contracted by any person and/or accidental loss of or damage to material property, occurring through the fault or negligence of your Organization and in connection with its business at any time during the Period of Insurance or any subsequent period for which the cover is in force.

• Product Liability Insurance

This policy compensates the Insured against all claims made during the Period of Insurance which the Insured shall become legally liable to pay in respect of accidental death of or bodily injury (including illness) to any person; and/or accidental loss of or damage to tangible property arising from anything harmful or defective in any products manufactured, assembled, processed, modified, repaired, serviced, altered, labelled, handled, sold or supplied by or through the Insured in the course of or in connection with the insured’s business and the defective condition of the containers of such products.

• Directors’ and officers’ liability

Directors and Officers Liability Insurance Policy (D&O) offers protection for company directors and officers against claims made by shareholders, employees, and other stakeholders due to the actions taken by the Officer and Directors of the Company in the discharge of their duties.

• Employers’ liability

The employers Liability insurance covers the employees of the insured for bodily injury by an accident or disease arising out of and in the course of his employment directly related to negligence or breach of common law or a statutory duty by the employer.

• Professional indemnity

This policy protects professionals such as Accountants, Lawyers, Medical Practitioners (doctors, general practitioners, nurses, dentists, physiotherapists), Engineers, Surveyors, etc. from legal liability that may arise due to acts of negligence, error or omission in the rendering of or failure to render professional services for others in the insured's capacity as a professional.

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