PRODUCTS

Commercial Business

Cyber Liability

Cyber Liability

Our cyber liability product is designed to help an organisation mitigate risk exposure by offsetting costs involved with recovery after a cyber-related security breach or similar event.

Directors & Officers Liability (D&O)

Directors & Officers Liability (D&O)

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.

Gradual Pollution Indemnity

Gradual Pollution Indemnity

Indemnifies the insured against their liability incurred as a result of seepage resulting in environmental damage and pollution; and extends to include clean-up costs.

Group Personal Accident

Group Personal Accident

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.

Hazardous Chemicals (Clean Up & Spillage) - Transport

Hazardous Chemicals (Clean Up & Spillage) - Transport

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.

Hazardous Chemicals (Clean Up & Spillage) - Site

Hazardous Chemicals (Clean Up & Spillage) - Site

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.

Occupational Health & Safety Insurance (OHSI)

Occupational Health & Safety Insurance (OHSI)

This policy covers the property owner or the body corporate against claims arising from damages caused by contractors whilst performing work on the insured’s premises. It also indemnifies the property owner against claims arising from damages incurred by contractors due to defaults in the property they are working on.

Professional Indemnity (PI)

Professional Indemnity (PI)

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.

Professional Indemnity (PI) Excess Waiver

Professional Indemnity (PI) Excess Waiver

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

Public Liability (PL)

Public Liability (PL)

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.

Tour Operators Vicarious Liability

Tour Operators Vicarious Liability

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.