LIABILITY INSURANCE

Liability cover for the business you run.

We help South African businesses arrange liability insurance around their operations, the services they provide and their responsibilities to others.
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LIABILITY COVER SHOULD REFLECT WHAT YOUR BUSINESS DOES

Your liability exposures depend on how your business operates: the premises you use, the work you carry out, the products you supply and the advice or services you provide. Your contracts and the responsibilities you accept also need careful review.

Inscorp takes time to understand these activities before recommending liability cover. We review the proposed insurance with you, explain relevant terms, limits and exclusions, and clarify matters with the insurer so you understand how the cover relates to your business.

WHO WE ASSIST

We assist South African businesses across a range of industries, including:

• Manufacturers, wholesalers and distributors
• Retailers and businesses supplying products
• Property owners and commercial landlords
• Contractors, trades and service businesses
• Professional practices and consultants
• Transport, logistics and warehousing businesses

We review the activities of your business and discuss which liability covers may be appropriate, including exposures that need specialist consideration.

WHAT WE REVIEW BEFORE ARRANGING COVER

Before arranging liability insurance, we review your business activities, the people and businesses you work with, and the responsibilities you accept. These six areas help us discuss suitable cover with the insurer and identify matters that need specific agreement.

BUSINESS ACTIVITIES AND PREMISES

We review what your business does, where it operates and how its activities involve customers, visitors and other third parties. This includes work away from your premises and activities that need to be specifically disclosed to the insurer.

PRODUCTS AND COMPLETED WORK

We review the products you manufacture, import, distribute or sell, and the work you complete for customers. We discuss their intended use, where they are supplied and any installation or repair activities, so relevant liability exposures can be considered with the insurer.

PROFESSIONAL ADVICE AND SERVICES

We review the advice, designs, recommendations or specialist services your business provides. We discuss whether professional indemnity insurance should be considered and clarify the activities to be insured, the proposed scope of cover and any requirements with the insurer.

CONTRACTS AND RESPONSIBILITIES

We review insurance requirements in your customer, supplier and lease agreements, including indemnities and responsibilities you accept. We raise relevant provisions with the insurer to clarify how the proposed cover responds and identify matters that may need legal advice.

LIMITS AND POLICY CONDITIONS

We discuss the proposed limits, excesses, exclusions and territorial scope alongside your activities and contractual requirements. We clarify any sublimits, extensions and conditions with the insurer so you understand the scope of the proposed liability cover.

CLAIMS HISTORY AND NOTIFICATION

We review previous liability claims and any known incidents, complaints or circumstances that may need disclosure. We explain the proposed policy’s notification requirements and discuss how to report a new matter, retain relevant records and refer correspondence to the insurer.

KEEP LIABILITY COVER IN STEP WITH YOUR BUSINESS

As your business changes, your liability insurance needs a fresh look. Speak to us before introducing changes so we can review the proposed arrangements with the insurer.

Let us know when you:

• Add new products, services or business activities
• Begin installation, repair or work at customers’ premises
• Supply products or provide services in new countries
• Sign contracts with different insurance or indemnity requirements
• Start providing advice, designs or specialist recommendations
• Move premises or change how you use them

Do not assume an existing policy automatically includes a new activity or responsibility. Any necessary changes to cover need to be agreed with the insurer.

WHY WORK WITH INSCORP?

We take time to understand the responsibilities your business carries.

We ask practical questions about your operations, products, services and contracts before recommending liability cover. We explain relevant policy conditions, clarify matters with the insurer and help you review your insurance as your business changes.

The information on this page is general. Recommendations depend on your business and the proposed policy wording. Cover remains subject to insurer underwriting and the applicable terms, limits, excesses and exclusions.

The Risk Always Feels Distant….. Until It Becomes Yours.

Let’s review your liability cover alongside the activities, services and responsibilities of the business you run today.

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