Liability insurance offers protection against third party insurance claims. The following are covered:

• Public Liability: covers claims of personal injury or property damage that a third party suffers as a result of the policyholder’s business activities.
• Product Liability: covers claims by third parties alleging that a product the policyholder made or sold is defective, and caused them to sustain bodily injury or property damage or death.
• Professional Indemnity: covers professionals who become legally liable as a direct result of any negligent act, error or omission made during the performance of their duties.
• School Liability: it covers students and third parties against any damage and accidents that may occur while at school or on the way from or to school.
• Carrier Liability: covers the transporter of the goods/merchandises under the policyholder’s care, custody or control.
• Directors and Officers Liability: covers the cost of compensation claims made against the policyholder’s business's directors and key managers (officers) for alleged wrongful acts.