Liability & Indemnity Insurance

Strategic Risk Management

In an environment of increased corporate and personal accountability, professional liability insurance is a non-negotiable component of strategic risk management. This essential coverage provides crucial defense for you, your company, and your executives against legal liabilities, litigation threats, and resultant financial damage.

Liability Insurance Solutions

To protect our clients from a broad spectrum of professional and management exposures, we offer several specialized solutions:

• • Professional Indemnity (PI) Insurance: Provides legal defense and financial security for professionals against liability arising from a breach of professional duty, errors, or negligence in their business practice.

  • Product Liability Insurance: Covers liabilities arising from defects in the design, manufacture, packaging, or labelling of a product that result in injury to the user or damage to property. This protection extends to defects occurring during the process of storage, transporting, and handling of the product. 

  • Information and Communication Technology (ICT) Insurance: Secures IT professionals and firms against legal liability for claims related to negligent acts, errors, or omissions committed while providing information and communication technology services.

  • Directors and Officers (D&O) Liability Insurance: Designed to protect company directors and officers against personal liability for wrongful acts committed in their capacity as corporate leadership.

  • Management and Corporate Liability Insurance (SME Focus): This policy is ideal for Small and Medium Size Enterprises (SMEs), providing essential financial protection for both the Company and its Directors and Officers. It reimburses against losses stemming from claims alleging a wrongful act in their corporate capacity. 

    • Corporate & Personal Indemnity: Protects natural persons (directors/officers) as well as the Company itself.

    • Legal defense Costs

    • Identity Fraud Coverage

    • Crisis Management/Public Relations consultation

Essential Policy Extensions

These key extensions significantly enhance executive protection:

• Investigation Costs

• 90-day free discovery period

• Extradition and Court Costs

• Automatic cover for new subsidiaries

• Association Liability Insurance: Comprehensive protection for non-profit organizations, covering legal liability arising from professional services provided, as well as management liability for the committee and employees.

💻 Cyber and Data Security Insurance

💻 Why Dedicated Cyber Coverage is Essential ⚠️

Businesses of all sizes face continuous and evolving cyber threats. Traditional insurance policies often fail to provide adequate protection against these costly, disruptive digital risks. Even with advanced defenses, vulnerability remains, and the consequences—including litigation, reputational damage, and financial fallout—can be severe.

To address this critical exposure, we recommend a comprehensive, standalone Cyber and Data Security Insurance policy. This specialized coverage is designed to protect your business against the financial and legal fallout that a dedicated cyber-event can trigger.