BUSINESS
LIABILITY

Because any activity is likely to give rise to a damage leading to the company's liability, the latter must opt for the necessary cover, otherwise the consequences, especially financial, could be consequential.

PUBLIC AND PRODUCTS LIABILITY

There is no legal requirement to have liability insurance, but it is strongly recommended when your business interacts with the public. 

 
Whether you, or one of your employees, cause accidental damage or injury to a person on your premises, in a customer's home, you will be covered by our policy. 

 
All goods or products (including food and beverages) manufactured, constructed, altered, sold, or distributed once they are no longer in the possession of the business are covered. 

 
Also covered are owner's or tenant's liability risks. 

Professional Indemnity

Your customers might rely on your professional expertise and if the outcome is different from what was expected, they might make a claim against you if they believe that you or one of your employees were negligent and are responsible for a breach of professional duty.


The court case that will ensue may be of considerable financial consequences, in terms of legal fees and court awards. To prevent such a scenario from arising, we have the professional indemnity insurance which will protect your business from bearing these costs.


We will provide you with a tailor-made cover with limits (per claim as well as in aggregate) and excess as requested.


Moreover, we will also provide the policy for a fixed duration (a one-off policy) if you require protection for a specific project only.
 

EMPLOYER’S LIABILITY

DO I HAVE TO TAKE OUT LIABILITY INSURANCE AS AN EMPLOYER?

As an employer, it is your responsibility to protect the health and safety of your employees during working hours.  

 
Employee Liability insurance covers all of your employees, whether they are office workers, manual workers, or drivers. 

WHAT RISKS DOES THE POLICY COVER

The Employee Liability insurance policy protects the employer in the event of a work accident resulting in the death or injury of an employee, or in the event of illness due to employment. The insurance finances, in the event of proven liability, the compensation owed by the employer. 

 
The contract may also cover the legal costs incurred. 

  • A complete coverage 

  • A compensation ceiling of up to .... 

  • Specialised advisers to accompany you 

Directors and Officers Liability

This policy covers the insured company against legal liability for loss/damage resulting from any wrongful act of their staff in their capacity as director, officer or employee of the company except as specifically excluded.

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