Public Liability

The Public Liability Insurance Policy protects the policyholder in respect of damages for accidents causing bodily injury to or death, disease or illness sustained by any person not under a contract of service with the policyholder or accidents causing loss of or damage to material property belonging to third parties and caused during the period of insurance.  Virtually all commercial businesses should have this policy.  Individual policies are also available.

Products Liability

Products Liability Insurance is related to the policyholders legal liabilities for bodily injury to persons or loss of or damage to material property caused by products or goods sold, supplied, repaired or installed by the policyholder.  The policy can be obtained by various suppliers and/or manufacturers such as Food Manufacturers, Tyre Manufacturers, Toys, electrical appliances, motor manufacturers, concrete product manufacturers etc.

Professional Indemnity

Professional Indemnity Policy insures professional persons or firms for their legal liabilities to third parties arising from their professional negligence or that of their employees.  The cover is in respect of bodily injury or damage to property of third parties and failure to excersise the skill and care that is expceted from them.  The policy is suitable for auditors, architects, solicitors, surveyors, doctors, other medical practitioners and other professionals

Employers Liability

Legal Liability for damages in respect of bodily injury to or death of any person employed by the policyholder when such injury or death is sustained during the period of insurance and arising out of in and in the course of employment by the policyholder in connection with the business.  This policy is very important to all businesses which employ manpower.