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LIABILITY INSURANCE

Public Liability Insurance
Any firm or any individual in the normal course of business or other activities may negligently cause damage to the property of others or injury to others. This may result in that person becoming legally liable to such persons whose property has been damaged or who have been injured. Apart from this liability, extensive legal fees may have to be paid. Our Public Liability Insurance policy will pay all sums which a firm or individual may become legally liable to pay as compensation for bodily injury or illness caused to third parties.

Product Liability Insurance
Any firm that produces, repairs, services or supplies goods or products may become liable to users of such goods if these goods are defective in any way and as a result of such defect, the user may suffer property damage or bodily injury. Our Product Liability Insurance policy will pay all sums that the producer or supplier becomes legally liable to pay in such a case including the legal expenses incurred in defending himself in a court of law.

Employer's Liability Insurance
An employer may become liable to his employee if due to the negligence of the employer the employee is injured at work. Our Employer's Liability Insurance policy will protect the employer in such a case and will pay all sums that the employer becomes legally liable to pay to his employee as compensation. In addition, it will pay for legal fees incurred in preparing a defence in a court of law. This is similar to Workmen's Compensation Insurance as explained above.

General Professional Indemnity
Professional lawyers, doctors, engineers, etc. run the risk of becoming legally liable to others as a result of not properly performing their professional duties. This may include for instance, the case where a lawyer gives wrongful advice to his client resulting in his client suffering a financial loss. Our professional Indemnity policy will pay all sums that such a professional becomes legally liable to pay as a result of professional negligence. In addition it will pay for legal expenses incurred in preparing a defence in a court of law.