Commercial Business

This is a necessity for all business owners and is offered at a very affordable cost. This product is further enhanced to cater for Cyber Liability and covers various exposures relating to POPIA.

D&O Liability Insurance provides protection for the directors and officers of a company in the event of legal proceedings pertaining to the failure to perform duties as they relate to the company.

The policy can be tailored to suite the client’s needs. Cover includes death, hospitalisation, permanent and total disability, temporary and total disability, loss of income.

Indemnifies the insured against the cost of cleaning up a spill as well as any liabilities arising.

The Transport Clean-up product provides comprehensive environmental cover for the transport of hazardous goods and potential pollutants. Cover includes clean-up and rehabilitation of the environment following a spillage from a vehicle. This offering has different options available for HCV’s, LDV’s, Sub-Contractors and Wholesaler’s.

Indemnifies the insured against the cost of cleaning up a spill as well as any liabilities arising.

The Site Clean-Up policy is designed to cover any facility where hazardous materials are stored. It is now a legal requirement to have this cover in force. Yard storage, warehouses, manufacturing concerns, and the like, require this cover. As a result, most business will have the need for this policy which will insure against clean-up costs and rehabilitation of the environment, and any liability arising.

Professional Indemnity insurance covers legal costs and expenses incurred in the insured’s defence, as well as any damages or costs that may be awarded, if the insured is alleged to have provided inadequate advice, services, or designs that have caused their client’s financial loss.

An Excess Waiver product covering the excess on the insured’s Professional Indemnity Policy.

Covers the insured for property damage or personal injury suffered by a third-party where the insured is deemed to be responsible. This could be as a result of the insured’s business activities.

Insures the tour operator against its legal liability incurred, as well as vicarious liability incurred as a result of the use of subcontractors. Extensions are numerous but include food and drink poisoning. Cover includes legal costs and expenses.