Cover if your business is held legally liable for injury, property damage or professional negligence.
Covers claims from members of the public injured or whose property is damaged on your premises.
Protects advice-based businesses against claims of negligent advice or service.
Legal costs to defend a claim are covered, even if the claim is ultimately unsuccessful.
| Cover feature | Detail |
|---|---|
| Cover limit options | R1m to R50m per claim |
| Excess (standard claim) | R5,000 or 1% of claim, whichever is greater |
| Legal defence costs | Included, within policy limits |
| Retroactive cover (professional indemnity) | Available for prior acts, subject to underwriting |
| Product liability | Optional add-on for manufacturers/retailers |
It depends on your business — professional indemnity is essential for advice-based businesses, while public liability matters for any business with premises or client-facing staff.
Retroactive cover for professional indemnity can be arranged, covering advice given before the policy started, subject to underwriting.
Certain professions require mandatory professional indemnity cover under their regulatory body — check your industry's specific requirements.
An adviser at Mzansi Advisors can assess your business's specific liability exposure — at no extra cost.
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