Liability insurance protects individuals and businesses from financial loss if found legally responsible for causing bodily injury or property damage to others. It covers legal defense costs, settlements, and court-ordered payouts up to a prescribed or stated limit of liability.

Public Liability

This policy covers the cost of claims made by public/third parties for incidents that occur in connection with your business activities. This insurance covers the cost of compensation for: personal injuries, death to third parties and loss of or damage to third party property.

While public liability insurance is not compulsory in Zambia, it should be considered essential if members of the public will frequent your premises.  The loss can happen on designated premises or at clients’ premises for business that provide guarding and or security services.

Products Liability

This insurance cover provides indemnity against your Legal Liability towards third parties in respect of

  • Accidental death or bodily injury
  • Accidental loss of or damage to material property

Loss or damage must be caused by goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the insured but only after such goods have ceased to be in possession or under the control of the insured.

Professional Indemnity

Your customers might rely on your professional expertise and if the outcome is different from what was expected, they might make a claim against you if they believe that you or one of your employees were negligent and are responsible for a breach of professional duty.
The court case that will ensue may be of considerable financial consequences, in terms of legal fees and court awards. To prevent such a scenario from arising, we have the professional indemnity insurance which will protect your business from bearing these costs.

Employer’s Liability

In the event any settlement/compensation under the Workers Compensation Act 1963 leaves the injured employee/claimant dissatisfied, the employer may be sued for further compensation.  In such an event, the employer’s liability insurance shall defend the suit and bear all the legal expenses the employer may incur including indemnifying for any liability attaching to the insured up to a prescribed limit of liability.

Directors and Officers Liability

This policy covers the insured company against legal liability for loss/damage resulting from any wrongful act of their staff in their capacity as director, officer or employee of the company except as specifically excluded.