Public Liability
Insurance without
the Yada Yada
Cover starting from as little as R150*- Legal support for covered claims
- We can offer up to R100 million cover
Premiums are risk profile dependent and subject to annual review.
Stay protected when life throws the unexpected your way
Accidents happen, but they don’t have to derail your business. DialDirect Public Liability Insurance gives you the backup you need when the unexpected strikes. From a client tripping over a cable to accidental damage at a customer’s premises, we’ve got you covered. That way, you can keep your focus where it belongs: growing your business with confidence.
With comprehensive, affordable cover, you get peace of mind knowing you’re protected from the financial risks that come with everyday operations.
What is Public Liability Insurance?
Think of it as your business safety net. Public Liability Insurance protects you if someone gets hurt or their property is damaged because of your work, whether it happens at your place or while you’re working at theirs. If you’re found legally responsible, this cover steps in to handle the claim so you’re not left to face the costs alone. It’s reliable support that helps you worry less and achieve more.
Who needs Public Liability Insurance?
Public Liability Insurance is essential for businesses that interact with clients, customers, or the public. It protects you if someone is injured or their property is damaged because of your business activities.
Stay protected on-site and off. Cover for accidental injury or property damage caused during your trade work.
Protect your store from claims if a customer is injured or their property is damaged while visiting your premises.
Whether you're on the road or at a client’s location, stay covered against third-party injury or damage claims.
Cover for liability arising from the production or supply of goods that may cause harm or damage to third parties.
Provides cover if third parties suffer property damage or bodily injury at your premises, due to your negligence.
From spills to slips, get protection against liability claims in restaurants, cafés, or accommodation spaces.
The liability insurance your business needs, the service you deserve.
What is the difference between Public Liability, Defective Workmanship, and Products Liability?
The main difference between Public Liability, Defective Workmanship, and Products Liability lies in the type of risk or damage they cover.
Public liability insurance protects you if something goes wrong while you're working on a project, before it's finished and handed over. For example, if you accidentally damage someone's property or cause an injury during the work process, this insurance has your back.
Defective workmanship insurance kicks in after the work is completed and handed over. If issues arise due to faulty work, this insurance covers the resulting damage or injuries. However, it's important to note that neither public liability nor defective workmanship insurance will cover the costs of fixing or redoing the faulty work itself.
Products liability insurance covers any damage, loss, or injury caused by a product you've supplied after it's been handed over to the customer. For instance, if a product you sold causes harm to someone, this insurance will help cover the costs. But remember, it won't cover the cost of replacing the defective product itself.
What does Public Liability cover?
Public Liability Insurance covers businesses for third-party injury or property damage caused by their negligence.
Ensuring that business premises are safe for visitors, customers, and the public.
Making sure employees act responsibly and safely when working on third-party premises.
Taking reasonable steps to ensure that products supplied or sold are safe and do not cause harm.
Carrying out work to an acceptable standard to avoid causing damage or injury due to poor workmanship.
Get your tailored Public Liability Insurance quote today.
Extend your cover for added protection
Add optional cover to your policy for more protection.
Provides cover for alleged liable, slander, defamation, copywrite infringement which arises out of your advertising activities.
Cover for claims arising out of wrongful arrest, committed or alleged (other than by you) to have been committed in the course of your business
Cover for costs incurred by you to produce and certify any particulars or quantifications of the claim expressly requested by us in order to investigate any claim
Cover for a negligent act, error or omission in the professional services rendered or which should have been rendered by any medical practitioner, nurse or other medical official in your full or part-time employment.
This insurance extends to indemnify you for any amounts in excess of any underlying motor liability insurance as stated on your schedule. Subject to R5 million minimum underlying limit.
Cover for claims arising from negligence (other than in the provision of professional services) in the course of the business.
Cover for claims arising from injury and/or damage arising out of or in connection with any construction works undertaken by or on your behalf but excluding damage to property for which indemnity is provided in terms of a contract works policy, whether insured or not.
Cover for any other party alleging that they suffered financial loss by reason of tangible property (other than your products) being due to or alleged (other than by you) to be due to the failure of your product/s to perform as specified, warranted, guaranteed and/or to fulfil the intended function.
Cover for claims arising from negligent advise that was given in the course and scope of your work including in connection with a product but excluding advice given for a fee.
The liability insurance your business needs, the service you deserve.
What Public Liability Insurance does not cover?
While Public Liability Insurance offers broad protection, these are some of the exclusions:
DialDirect Business Insurance includes
Professional Indemnity Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Frequently Asked Questions:
In order to enjoy cover, the insured needs to ensure that all premiums are paid and up to date. In addition, all policy terms and conditions must be adhered to including, but not limited to, notifying the insurer of new potential claims as circumstances arise, notifying the insurer of any material changes to the insured’s risk profile or disclosing truthful and accurate underwriting information.
The retroactive date is a specific date in the past, which can potentially be prior to the inception date of your policy. This date determines from when unknown circumstances will be covered by the current policy. Any circumstances occurring prior to the retroactive date, whether unknown or not and irrespective of when reported, will not be covered.
Your retroactive date can be carried over from one insurer to the next provided that all premiums are paid and there has been continuous uninterrupted cover.
Missing just one month’s premium will cause a break in cover and will erase all previously accumulated retroactive cover and the date on which you resume premium payments will then become your new retroactive date.
- DialDirect accepts annual and monthly premium payments.
- Should you opt to pay your premiums monthly, payments are made in advance on the agreed date.
- The limit of indemnity refers to the maximum amount payable by the policy for any claims made against the policy during any policy period.
- The limit of indemnity operates on an aggregate basis and will re-set after each policy period upon renewal.
- The correct limit of indemnity is largely determined by the overall risk exposure of the business.
- There is no “one size fits all” and it is the insured’s responsibility to ensure that they purchase an adequate limit to cover their total exposure.
- Always bear in mind that as the policy is an all-cost inclusive policy, provision must be made within the limit to cover any and all possible investigation and legal defence cost over and above the liability exposure of the business.
Quit the yada yaya.
Get Liability Cover today!
