You can choose to be covered under 1 of the following
- Claims made basis.
- Claims incurred basis.
‘Excess liability' insurance is automatically included with our liability cover. This additional cover is limited to R25,000,000. Please refer to your policy schedule and the ITOO policy document for details. (Or, just ask your broker.)
Liability caused by, or as a result of
- Any company formed or acquired by you.
- An additional insured.
- Animal-drawn vehicles.
- Animals that don’t belong to you.
- Damage which occurs in your car park/parking facilities.
- Crop spraying.
- Cross liabilities.
- The droving and escape of animals and stray animals.
- Emergency medical expenses.
- Gratuitous advice.
- Legal defence costs.
- A liability agreement.
- Livestock at shows and auctions (excluding horses).
- Security firms.
- The spread of fire.
- Any mechanically-propelled vehicle that you own or use.
- Unattached trailers.
- Wrongful arrest and defamation.