Liability Insurance

Public liability

The cover is basically a Third-Party Liability insurance Claim, and it is usually a work away risk as it does not cover loss or damage within insured’s business premises. The cover is for Death of or Bodily Injury to or damage to Third Party Property resulting from the business activities of the insured whilst working away from insured’s usual business premises.

Employer’s Liability

This insurance protects the insured against damages that the employer may become legally liable to pay consequent upon death of or bodily injury to or illness of any person employed under contract of service or apprenticeship with the insured, which occurs in the course of and in connection with such person’s employment, and which results in a claim, or claims made against the insured (employer) during the period of insurance.

Products Liability

This insurance covers the insured against its legal liability caused by goods or products sold or supplied (including wrongful delivery and delivery of incorrect goods) in connection with its business.

Decennial Liability

This insurance covers both latent and patent defects that arise in a building for a period of 10 years running from when the building is completed and handed over to the owner.

Carrier’s Legal Liability

This insurance Covers legal liability for accidental loss or damage to goods in custody or control of the insured whilst in transit by road or any other specified mode.

Professional Indemnity

This insurance covers legal liability arising from professional negligence, error, or omissions committed while providing professional services.

Directors and Officers Liability (D&O)

This insurance covers losses resulting from wrong decisions taken by Executive Directors, Non-Executive Directors as well as Officers of an organization and which result in losses to the organization.