{"id":207,"date":"2025-12-20T09:41:26","date_gmt":"2025-12-20T09:41:26","guid":{"rendered":"https:\/\/adelvisinsurance.com\/?page_id=207"},"modified":"2025-12-20T10:42:19","modified_gmt":"2025-12-20T10:42:19","slug":"liability-insurance","status":"publish","type":"page","link":"https:\/\/adelvisinsurance.com\/?page_id=207","title":{"rendered":"Liability Insurance"},"content":{"rendered":"
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PUBLIC LIABILITY<\/strong><\/div>\n
\n

This policy covers the cost of claims made by public\/third parties for incidents that occur in connection with your business activities. This insurance covers the cost of compensation for: personal injuries, death to third parties and loss of or damage to third party property.<\/p>\n

While public liability insurance is not a legal requirement for some businesses, it should be considered essential if members of the public will be on your premises.\u00c3\u201a\u00c2\u00a0 Even if your businesses is home based, you should consider taking public liability insurance.<\/p>\n

PRODUCT LIABILITY<\/strong><\/div>\n
\n

This insurance cover provides indemnity against\u00c3\u201a\u00c2\u00a0\u00c3\u201a\u00c2\u00a0your Legal Liability towards third parties in respect of<\/p>\n

    \n
  • Accidental death or bodily injury<\/li>\n
  • Accidental loss of or damage to material property<\/li>\n<\/ul>\n

    Caused by goods or products manufactured, constructed, altered, repaired, serviced, treated, sold, supplied or distributed by the insured but only after such goods have ceased to be in possession or under the control of the insured.\u00c3\u201a\u00c2\u00a0\u00c3\u201a\u00c2\u00a0This policy can be issued to any business, be it manufacturers, retailers or traders.
    \nTerritorial Limits:<\/strong> Zambia only.<\/p>\n

    Professional Indemnity<\/strong><\/div>\n
    \n

    Your customers might rely on your professional expertise and if the outcome is different from what was expected, they might make a claim against you if they believe that you or one of your employees were negligent and are responsible for a breach of professional duty.
    \nThe court case that will ensue may be of considerable financial consequences, in terms of legal fees and court awards. To prevent such a scenario from arising, we have the professional indemnity insurance which will protect your business from bearing these costs.<\/p>\n

    We will provide you with a tailor-made cover with limits (per claim as well as in aggregate) and excess as requested.Moreover, we will also provide the policy for a fixed duration (a one-off policy) if you require protection for a specific project only.<\/p>\n

    Employer’s Liability<\/strong><\/div>\n
    \n

    In the event any settlement\/compensation under The Work Injury Benefit Act (WIBA) leaves the injured employee\/claimant dissatisfied, the employer may be sued for further compensation.\u00c3\u201a\u00c2\u00a0 In such an event, the employer\u00c3\u00a2\u00e2\u201a\u00ac\u00e2\u201e\u00a2s liability insurance shall defend the suit and bear all the legal expenses the employer may incur including indemnifying for any liability attaching to the insured, subsequently.<\/p>\n

    \n
    Directors and Officers Liability<\/strong><\/div>\n
    \n

    This policy covers the insured company against legal liability for loss\/damage resulting from any wrongful act of their staff in their capacity as director, officer or employee of the company except as specifically excluded.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

    PUBLIC LIABILITY This policy covers the cost of claims made […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-207","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/207","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=207"}],"version-history":[{"count":2,"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/207\/revisions"}],"predecessor-version":[{"id":236,"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=\/wp\/v2\/pages\/207\/revisions\/236"}],"wp:attachment":[{"href":"https:\/\/adelvisinsurance.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=207"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}