Standard Insurance Product
Liability Cover
Who It’s For: Individuals & Businesses
Overview: Liability insurance covers you or your business against legal claims from third parties. These could include bodily injury, property damage, reputational damages or financial inconvenience or professional negligence. It is especially important for service providers, public-facing businesses, or professionals in regulated industries. This cover pays for legal fees, settlements, or compensation if you're found responsible for failing to prevent harm or for directly or indirectly causing harm to someone else, their reputation, property, or finances.
• Covers legal defence and compensation costs
• Cover is triggered by third-party claims.
• Applies on and off the insured’s premises, depending on the type of Liability cover
• Essential for regulated industries and individuals residing in a communal neighbourhood
• Public Liability Insurance
Covers Injury to third parties or damage to their property occurring on your premises or during business operations.
-For Individuals, Retailers, Property owners, Service providers, Event organisers and businesses with walk-in customer
• Employers’ Liability Insurance
Cover claims made by employees for work-related injuries or illnesses.
-For any business employing staff (full-time, part-time, or contract)
• Professional Indemnity Insurance
Covers claims arising from professional negligence, errors, or omissions in advice or services.
-For Authorised or Accredited Professional (Engineers, Lawyers, Accountants, Medical Practitioners, and others)
• Directors & Officers Liability Insurance (D&O)
Covers legal actions against company directors or officers for alleged wrongful acts in managing the company.
-For Board members, Executives and Non-Executive Directors, Senior managers, Trustees and Shareholders
• Product Liability Insurance
Cover claims related to injury or damage caused by products you manufacture, distribute, or sell.
-For Food and beverage producers, Electronics makers, Consumer goods brands
• Product Recall Liability Insurance
Covers costs associated with recalling defective or dangerous products from the market.
-For Manufacturers, Importers, Wholesalers, Retailers, Private labellers
• Fidelity Guarantee Insurance
Covers loss of money, stock, or property due to dishonest or fraudulent acts committed by employees (theft & misuse)
-For Businesses of all sizes—especially those handling cash, stock, or sensitive financial data