Public Liability

Covers legal liability claims which may be brought against the insured by the public in respect of accidental death or injury and accidental physical damage to property.

Employer’s Liability

Covers legal liability claims which may be brought against an employer in respect of accidental death, injury or illness to an employee arising out of or in the course of employment.

Professional Indemnity

Offers protection for professional firms such as solicitors, architects and accountants against loss or damage suffered as a result of professional negligence.

Products Liability

Cover is intended for any company involved in the manufacturing of goods. It covers the Insured’s legal liabilities for death of or injury to a customer caused by a faulty product and also any damage to customers’ property. Examples are foodstuffs with wrong ingredients that cause sickness or death; hair chemicals with wrong ingredients that cause damage.

Defective Workmanship

This form of cover is available for businesses where physical work rather than products are involved such as a vehicle or machinery repairer. For example, if a component is put back wrongly into a vehicle or machinery and an accident occurs then the policy would cover the resultant damage.

Directors and Officers Liability

This insurance covers directors and officers damages or defense costs in the event that they suffer such losses as a result of lawsuits for alleged wrongful acts while acting in their capacity as directors and officers for the organization. Such coverage can extend to defense costs arising out of criminal and regulatory investigations/trials and where civil and criminal actions are brought against directors/officers simultaneously.

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