GENERAL PUBLIC LIABILITY INSURANCE (GPL) or COMPREHENSIVE GENERAL LIABILITY INSURANCE (CGL)
  • WHAT IS GENERAL LIABILITY INSURANCE
  • THE LIABILITIES COVERED

General Public Liability Insurance protects the Insured against his legal liabilities in connection with the operation of his business.

Based on the terms, exception and conditions contained or endorsed in the policy, the policy will indemnify the Insured for liability in respect of accident happening at the premises of the Insured resulting in:

-death of or bodily injury to the person not being a member of the Insured’s family or household nor a person who at the time of the accident is engaged in and upon the service of the Insured

-damage to property not belonging to nor held in trust by nor in the custody or control of the Insured’s family or a person on behalf of the Insured up to the limits mentioned in the Schedule, the exceptions and conditions contained or endorsed in the policy in respect of any one person or any one accident or any one period of insurance.

EMPLOYER’S LIABILITY INSURANCE

  • WHAT THE EMPLOYER’S LIABILITY INSURANCE COVERS
  • PREMIUM REQUIRED

The Employer’s Liability Insurance Policy provides an indemnity to the Employer In respect of liability at law to pay damages as a result of death, bodily injury or disease sustained by employees arising out of and in the course of their employment with the policyholder; and in addition, cover in respect of

  • liability to pay claimant’s cost and expenses and
  • all other costs and expenses incurred with the Company’s consent subject to the Workmen’s Compensation legislation.

Premiums depend on the trades and professions concerned. Quotations will be given on receipt of a completed proposal.