Product overview
Liability Insurance explained
Liability cover protects your business from claims by employees, customers, patients and the general public. Workmen's Compensation and Group Personal Accident cover are statutory for most employers.
What does Liability cover?
Liability insurance covers the legal cost of defending and settling third-party claims for bodily injury, property damage or professional negligence caused by your business operations.
Why you may need it
- Required by law for most employers (Workmen's Compensation, Group Personal Accident).
- Protects your business from professional-negligence claims.
- Covers legal-defence costs even if the claim is unsuccessful.
- Required by most procurement contracts and tenders.
Cover types
- Employers Liability / Workmen's Compensation.
- Public Liability (claims by customers and visitors).
- Professional Indemnity (negligence claims).
- Directors & Officers Liability.
- Healthcare Professional Indemnity.
What you need to apply
- Business registration documents (CAC).
- Number of staff and total annual payroll.
- Nature of business activities.
- Claims history over the past 3 years.
Common exclusions
- Deliberate acts and intentional wrongdoing.
- Contractual liabilities you accept beyond common law.
- Pre-existing claims known before policy inception.
- Fines, penalties and punitive damages.