Public Liability

This covers Legal liability to third parties arising out of accidental bodily injury or death or illness or accidental physical damage to tangible property in connection with the insured’s business.

Products Liability

This policy covers all legal liabilities to third parties arising out of accidental bodily injury or death or illness or accidental physical damage caused by the use of the insured’s products.

Employers & Residual Liability

This policy provides indemnity in respect of injury to any of the insured’s employees arising out of and in the course of employment and all sums that the insured shall become responsible in terms of Section 74 (1) of the NSSA Notice 1990.

Environmental Liability Insurance

Policy provides cover for unexpected and unintended the Insured is obligated to pay caused by pollution, for:

  • On site clean-up costs.
  • Physical bodily injury, sickness, disease, mental anguish or emotional distress
  • Damage to property
  • Off-site clean-up costs associated with remediation of soil, surface or ground water or other contamination.

Directors & Officers Liability

This policy provides cover in respect of all sums up to the chosen limit, which the Executive and Non-Executive Directors and or Officers of insured or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization and beco legally liable to pay in respect of loss arising from:

  1. Any wrongful act in their respective capacities including legal defense costs
  2. Any wrongful Act in their respective capacities pursuant to common and statutory law or contract or the Memorandum or Articles of Association including legal defense costs. Officers covered include Non-executive Directors, Executive Directors, Ex-officio Directors and Senior Managers.

Umbrella Liability

This policy provides additional liability cover over and above the exposures covered by Motor third party liability insurance, employers & residual liability insurance, general/tenants/property owners/public liability/products liability insurances.

Fidelity Guarantee

This policy provides cover for loss of money and or property belonging to insured or for which they are responsible stolen by or in collusion with insured’s employee.