EVOLUTION SME LIABILITY

Broad multi-line specialist liability coverage for a range of businesses available exclusively through SHA's Pocket Underwriter. 

Brokers with an agency with SHA qualify for access to the system.

Click here to signup or sign into the Pocket Underwriter

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.

The Evolution range of products are really composite insurance products that give brokers the ability to add specialist covers to the traditional Broadform, PI and Cyber policies. We’ve condensed over 30 years of underwriting experience in the South African market into a range of multiline policies. We call these Evolution because it’s really what happens when niche cover moves onto the next level of protection.



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. 

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



Contact us

Please note, all fields are mandatory