Let’s say the worst-case scenario actually happens to your business.
If you’re an IntegriSure Business client, you’ll be covered. More importantly, you’ll be able to continue operating while we work to replace your losses in the shortest possible time.
IntegriSure Business provides comprehensive cover for businesses of any size, in any sector, and we make a point of coming to many clients’ business premises to conduct a full risk assessment if necessary. Our cover solutions extend to a wide range of areas.
Commercial & Retail Business
Cyber Risks & Commercial Crime
Engineering & Construction
Events & Entertainment
Goods in Transit
Import & Export
Places of Worship
Professional Indemnity & General Liability
Real Estate & Body Corporate
SASRIA (Civil Unrest)
Why do I need product liability insurance?
In terms of the Consumer Protection Act, the implication for suppliers, importers, distributors and retailers is the application of strict or no-fault liability for damage caused by goods. Section 61 provides for liability for any harm caused wholly or partly by supplying any unsafe goods; product failure, defect or hazard in any goods; or inadequate instructions or warnings provided to a consumer.
Why do I need public liability insurance?
Public liability insurance covers the cost if, as a result of business activity, you injure a third party or cause damage to their property. It is important to remember that the third party should be able to hold you legally liable to pay for the damages or injuries suffered. Due to the Customer Protection Act it is important to note that any party in a value chain can be held liable for damages suffered by a third party. Also note that employees of the insured will be excluded from this Section, as this can be insured under the Employers Liability Section.
Who needs defective workmanship cover and why?
A business that repairs, maintains or works on assets that do not belong to them requires defective workmanship cover. This makes provision for mistakes made, while working on your client’s property, which result in injury to your client or damage to their property for which you are then held liable. If it is later proven that you had not actually been negligent, the legal costs incurred in defending your company and its reputation could still take their toll. This cover provides for those costs.
Why are damage reports required?
These reports, provided by your nominated repairer, help the insurer to understand what damages occurred in relation to the claim submitted. A damage report generally makes mention of the following: How the item was damaged (water damage, accidental damage, etc.), details of the item (make, model, serial number), the severity of the damage, whether or not the item is economical to repair, and total repair or replacement costs.
Unsure if your business is properly covered?
Let our business insurance specialists contact you.