Business insurance
2
Marine
Cover for goods in transit, for the vessels that carry them, and for the liabilities that arise at sea.
Liability
Cover for claims brought against you by third parties, including claims arising from professional advice.
- Covers
- 2
- Typically for
- Businesses open to the public, and anyone advising clients for a fee.
In practice
Liability cover responds to what other people claim from you, which makes the limit of indemnity and the basis of cover the two things to get right. Most professional indemnity is written on a claims-made basis, meaning it responds to claims notified during the policy year rather than to work done during it — so a gap at renewal can leave past work unprotected.
What it covers
2 covers
- Public (Third Party) Liability
- Your legal liability for injury to members of the public, or damage to their property, arising out of the business.
- Professional Indemnity
- Claims arising from professional advice or services alleged to have been negligent, including defence costs.
Cover names are those used in the Zambian market; the exact scope of any policy depends on its wording and endorsements. We will set out what a quotation does and does not include before you bind it.
Get in touch
Ask about liability
Tell us what you need to cover and a broker will come back with options from the licensed market. There is no charge for a quotation.
Related classes
All classesBusiness insurance
5
Property & Casualty
Protection for buildings, plant and stock, and for the income lost while damage is being put right.
Business insurance
3
Surety & Bonds
Guarantees that support tendering, contract performance and banking obligations.