Covers legal liability of Insured to pay compensation in respect of accidental bodily injury or property damage to any Third Party caused by or through the negligence of the Insured or his employees. In addition, the policy also reimburse on the litigation costs and expenses for defense that incurred with the written consent of the Company.
Public Liability
To protect the insured against any third party liability for bodily injuries or property damages that may arise out of the Insured and/ or the Insured’s workers negligence at the Insured premises and/or at the third party premises.
Professional Indemnity
Protects the professional against legal liability to pay damages to persons who have sustained financial loss arising from their own professional negligence or that of their employees in the conduct of the business.
The policy offers indemnity strictly on legal liability basis. In addition to indemnifying the professional insured against his professional liability, a Professional Indemnity Insurance Policy indemnifies him for defense cost and expenses incurred in respect of claim to which the policy applies.
Employer’s Liability
Indemnifies you against legal liability in respect of any bodily injury or disease by accident sustained by your employees caused during the Period of Insurance and arising out of and in the course of employment by you in the business.
Directors & Officers Liability
Cover for legal costs and expenses is important as litigation involving company directors and officers is often complex and expensive. It is imperative that they have access to specialised and quality legal representation to safeguard their interests in the most effective way.
Product Liability
Indemnify the manufacturer or supplier of the ‘defective’ product against losses resulting in bodily injury or property damage arising from the use of the ‘defective’ product. It also pays for the litigation costs and expenses incurred in the defense of a suit provided prior written consent of the Insurance Company is first obtained.
Generally, product liability claims arise from the following three core causes:
- Design Defect
- Manufacturing Defect
- Marketing Misrepresentation
Warehousemen Liability/Carrier’s Liability
Indemnify you for the amounts as you shall become legally liable to pay by reason of claims made against you for direct physical loss of or damage occurring during the period of this policy, to property of others stored in the warehouse(s) operated by you at the location(s) specified in the Policy schedule and/or whilst on motor vehicle(s) in the ordinary course of transit anywhere within the Territorial limit stated in the Policy.
Association Liability
Cover for legal costs and expense is important as litigation involving directors, officers and committee members of an association is often complex and expensive. It is imperative that they have access to specialised and quality legal representation to safeguard their interest in the most effective way. Helps to protect association against legal liability which it may incur through the conduct of its activities or provision of services.
Interested to know more?
In order for us to quote, kindly contact us to make an arrangement to further understand your needs.
