Public and Products Liability: Cover is provided to protect the insured against legal liability to pay compensation, claimants’ costs and expenses in respect of accidental:
Employers Liability: protects your business against your legal liability for injury, illness, disease or death of any employee under a contract of service with your business.
Contractor’s All Risks : protects the insured against any loss or damage to the permanent and temporary contract works, materials, plant, tools, equipment, site huts and scaffolding.
Goods in Transit: provides cover for loss or damage to property owned by the insured in the course of transit within the specified territorial limits. Liberty Insurance provides the policy. The standard duration of this policy is twelve months.
Property Damage: provides cover for the client’s material property as detailed in the policy schedule with cover options like:
Policies can be optionally extended (at either level) to provide cover for any of the following: Sprinkler leakage, loss of rent, glass, money, burglary, subsidence, and deterioration of freezer stock.
What is an Excess: This is the insureds financial contribution when making a claim.
Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.