We make your responsibility ours

In a nutshell

As a business owner, you’re responsible for many things… Including the safety of your work family, and the public at large. A lawsuit holding your business responsible for damage to property belonging to others, or the loss of life, could be crippling. That’s why we’ll cover you for any legal liability following injury or damage to another that happens in the course of, or in connection with, your business

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.
  • Tenants.
  • Any mechanically-propelled vehicle that you own or use.
  • Unattached trailers.
  • Wrongful arrest and defamation.

Loss or damage due to or caused by

  • Liability that arises from injury to your employees or any person under apprenticeship to you, in the course of their employment or apprenticeship.
  • Any advice or treatment of a professional nature (other than incidental first aid treatment) that’s given or administered by you or at your direction.
  • Any mechanically-propelled vehicle (other than a pedal cycle or a lawnmower) trailer, watercraft, locomotive or rolling stock.
  • An aircraft, including the refueling of an aircraft, the ownership, possession, maintenance, operation or use of an aircraft or an airline, and the ownership, hiring or leasing of any airport, airstrip or helicopter pad. (This doesn’t apply to model aircraft.)
  • Goods or products (including containers) that are sold or supplied by you, if the injury or damage occurs elsewhere than on your premises.
  • Any incident that’s known to you but not disclosed to us.
  • Injury or damage that occurs after finishing and handing over any work (caused by any defect, error, or omission).
  • Vibration, or the removal or weakening of, or interference with, support to any land, building or structure.
  • A liability agreement, unless you would have been liable to the same extent, had the agreement not been entered into.
  • Fines, penalties, punitive, exemplary or vindictive damages.
  • Judgments delivered/obtained within South Africa, Namibia, Botswana, Lesotho, Mozambique, Swaziland and Malawi, including any costs and expenses of litigation which aren’t incurred or recoverable in these areas.
  • Any claim which arises from unlawful competition (including trade mark, trade name, domain name or advertising infringement) unfair business practices, abuse of monopoly power or cartel activities.
  • Any breach of a provision of the Competition Act No. 89 of 1998 as amended (or any similar provision).
  • Pollution, contamination or seepage.
  • War, invasion, acts of foreign enemies, hostilities, civil war, mutiny, insurrection, rebellion, revolution, military or usurped power.
  • Explosives, or the explosion of any boiler.
  • Flood (including burst or overflowing dam walls).
  • Fire.
  • Compensation claims.
  • The ownership/occupation of any land or building.

As well as damage to

  • Property that belongs to you or your employees, or is in your or their custody or control.
  • A part of any property that you are, or have been, working on, if the damage is the direct result of that work.
  • Any underground cables, pipes and conduits, that’s caused while digging trenches.
  • Commercial hunting and game viewing activities.
  • Dam walls.
  • Defective workmanship.
  • Employers’ liability.
  • EU liability (products).
  • Extended reporting.
  • Fire extinguishing charges.
  • Inefficacy.
  • Products.
  • Property belonging to employees and visitors.
  • Warehousemen.