General accident & liability insurance protects you against financial loss due to crime, damage to property, legal liability and other special risks.
Ideal for any business that has customers or where the general public comes in and out
Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury while doing personal activities
Covers the expenses that arise from legal liability to third parties while conducting professional duties resulting from ‘breach of professional duties’
You may need professional indemnity insurance if you:
Protects against loss of property while inside residential or business premises
Protects against loss of money used for business operations, in case of robbery/hold-up, burglary, brigandage
Protects against financial loss due to dishonest/fraudulent acts of regular employees
Covers the expenses incurred from loss or damage to moveable property such as heavy equipment, machines, portable electronic equipment, paintings.
Covers the expenses incurred from loss or damage to various cargo during in-land transit, against truck risks (perils of the road) and/or robbery/hijacking