Public Liability

No, Public Liability Insurance is not mandatory in South Africa. However, it’s strongly recommended that business owners invest in this type of Business Insurance in order to protect against potential legal or financial risks resulting from third-party claims.

While we make every effort to cover our policyholders from a wide range of public liabilities, there are some instances where we don’t provide cover. This includes damage to the part of the property that you were working on, cyber liability, liability arising from communicable diseases, liability arising from an event that occurred prior to the retroactive date and the rectification or repair of your product or services.

The amount of Public Liability Insurance you need will depend on several factors, including your circumstances, the nature of your business and the specific risks faced in your industry.

Imagine a scenario where a supplier delivers goods to your premises and injures themselves on the property. The warning signage was unclear, which is what led to the accident. Without public liability, you and your business could be held responsible for any medical expenses and legal fees incurred from a third-party negligence claim.