Liability insurance provides protection for a business for legal liability to pay damages arising out of injury or damage caused to third party persons or their property during the performance of the business. The broadform liability policy is extremely comprehensive and has many sections of cover and extensions.

General Public Liability which includes:

  • Property Owners Liability
  • Tenants Liability
  • Spread of Fire Liability
  • Tool of Trade Liability
  • Pollution (other than gradual migration)
and may be extended to include:
  • Contracting Liability
  • Goods on the Hook
  • Loss of Documents
  • Care, Custody and Control
  • Contractors’ and Principals’ Support
Products’ Liability includes liability for the consequences of defective workmanship and may be extended to include:
  • Product Inefficacy
  • Product Recall and Guarantee
  • Mitigation Expenses
  • Exports Worldwide
Other sections of cover available:
  • Employers Liability automatically includes Employee to Employee
  • CAPEX Contracting Liability
  • Plant Hire Liability
  • Wrongful Arrest and Defamation
  • Statutory Legal Defence Costs
  • Pure Economic Loss
  • Advertising Liability
  • Copyright Infringement
  • Defamation Liability
  • Warehouseman’s Liability
  • Carriers Liability
  • Negligent Gratuitous Advice
  • Excess of Loss Liability
  • Incidental Medical Malpractice
  • Claims Preparation Costs
Some other benefits of our general liability products:
  • We are able to underwrite up to limits of R1 billion
  • There is no contractual liability exclusion under the General and Products Liability sections.
  • Worldwide Jurisdiction.
  • Defective Workmanship which is a cover under the Products Liability section of a policy only excludes cover for damage to that part of the property upon which the Insured has been working and only if the damage results directly from such work.
  • SHA also offers specialist covers for Security Companies as well as excess of loss and umbrella policies

 For a list of the team members who specialise in this area please click here

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Our team of liability insurance specialists are able to tailor solutions for most industries.


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Reasons to insure with us


We are proud of our long standing association with majority of the top companies listed on the JSE


Our product range is geared up to protect the SME all the way up to the mega-corporate organisation


We employ a large team of specialists in our claims area, many of whom have legal qualifications or are admitted attorneys. This assures that our clients always get the most professional casualty claims service.


After 30 years we've seen most risks and our team of experienced underwriters are well positioned to tailor-make niche insurance solutions for any sized business across a diverse range of industries