• Tel: +266 22313018 /52500404/5
  • Fax: +266 22310513

Public Liability Insurance

Business Insurance

Public liability insurance is vital for any company – protecting you and your employees in the event that you’re found legally responsible for third party property damage or bodily injury caused during the course of business. This insurance covers you for damages which you become legally liable to pay to a claimant if you have been proven negligent in regards to the following:

  1. • Accidental death of, or bodily injury to, or illness of any person
  2. • Accidental loss of, or physical damage to, tangible property

Please note: The cover does not extend to your own goods, property or employees.

Some advisable public liability policy extensions include:
  1. Product Liability: This extension covers amounts that you become liable to pay because of damages, or injuries caused by goods or products sold or supplied by your company. The policy does not cover the cost of repair, alteration, recall or replacement of the goods or any products you sell or supply. If you export beyond the borders of South Africa, please call us to discuss further as specialised cover would be required.
  2. Defective Workmanship: This extension covers amounts that you become liable to pay due to damages or injuries caused to a third party by something you worked on, and where the damage was caused by a defect, error or omission made during such work. Please note that the item worked upon is not covered, only liability arising as a result of such work. This extension does not cover liability prior to the handing over of completed work.
  3. Work away: This extends your cover to other premises while you are conducting work related activities there, but does NOT include any contracting liabilities.

Contact us on +266 2231 3018 /5250 0404/5 to speak to one of our brokers or fill in the Request a Quote Form.

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