All your niche cover in one wording


If you’re a broker you’ll know how frustrating it can be when you want to add specialist covers to your client’s portfolio only to find out that they could land up with as many as six or seven separate policies? Add to that the headache of multiple debit orders and the fear that you just may have missed something, a gap in cover. Those days are numbered. It’s time for Evolution. 

So what is Evolution?

Years ago, Broadform Liability was seen as the widest, most progressive liability coverage around. That’s all set to change with the release of Evolution.

Evolution is the latest addition to our suite of products. We’ve condensed over 30 years of underwriting experience in the South African market into one policy. It’s called Evolution because it’s really what happens when broadform moves onto the next level of coverage.

Who is it for?

The policy is designed exclusively for small to medium sized enterprises (SME)

  • Businesses with an annual turnover below R50m
  • Less than 100 employees
  • Total assets under R200m
  • Maximum limit of indemnity of R20m on the public and product liability sections (other sub-limits apply to extensions)

How do I access Evolution?

The product is only available through SHA's digital broker platform Pocket Underwriter where brokers can generate their own bespoke quotes and issue policy documents within minutes

What does it cover?

Its a collection of covers geared up to handling 21st century exposures. The policy covers: 

All your broadform covers including
  • Public and Product Liability
  • Pollution (both gradual and sudden)
  • Employers Liability
  • Pure Financial Loss
  • Ineffficacy
  • Statutory defence Costs, Wrongful Arrest, Defamation
  • Advertising and Copyright Liability
  • Gratuitous Advice
Some previously stand-alone liability covers
  • Product Recall and Guarantee
  • Professional Indemnity (Errors and Omissions)
  • Directors and Officers
  • Cyber Liability
  • Employment Practices Liability
Some non-liability covers
  • 24 hour personal accident covers
  • Permanent Disability
  • Temporary Total Disability
  • Temporary Partial Disability
  • Medical Expenses
  • Serious Illness

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

 Download a proposal form here


Evolution 2018 Video

Watch short video on our Evolution SME product


Recent articles

Read more from our SME Liability team


Five liability questions businesses should be asking themselves

Learn more

Five most common liability claims facing SA businesses

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SHA launches composite niche cover for SME's over digital platform

Learn more

Get Evolution today

Broad cover, tailored just the way you want it, when you want it.


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