iTOOsday August 2020TOO Recap
UNDERWRITING FOOD SUSTAINABILITY IN A COMPLEX ENVIRONMENT Glaring new evidence of the impact that climate change has on humanity’s...
Why get your broadform liability cover from iTOO?
Even when your business is faultlessly following best business practice, things can go wrong. With iTOO Broadform Liability, you have instant access to South Africa’s best legal experts fighting your battle for you.
Our experts are always willing to see things differently – never simply following, but creating a unique path to lead you to the best solution.
Our comprehensive offer
What's included?
Whether it's a single claim or a complex product liability case involving multiple claims, our Broadform Liability insurance is here to protect your business against third party injuries and damages.
86% increase in the avg size of Product Liability claims
Clever insurance for clever people
Get down to business knowing you’ve got an expert covering you.
How to get cover
Ask your insurance broker to contact us for a quote for your broadform liability cover. Don’t have a broker and want us to recommend possible FAIS registered brokers trained in our products? Find a broker or contact one of our experts.
Forms and documents
Broadform Liability Product Card
This is a concise summary of the product offering, it provides a snapshot of the product's benefits, triggers and valuable partnerships.
Broadform Public & Product Liability Proposal Form
For companies of any size who wish to cover their general business activities.
Contractors Liability Proposal Form
For companies who wish to cover their construction activities.
Property Liability Proposal Form
For companies who wish to cover their business activities and property liabilities.
Recall Supplementary
For companies who wish to cover a possible Recall of their Product in addition to their business activities.
Schools Liability Proposal Form
For Education Institutions who wish to cover their business and school activities.
Security Liability Proposal Form
For Security companies who wish to cover their security liability.
Warehouseman’s Supplementary
For companies who wish to cover their Warehousing activities in addition to their business activities.
Broadform Liability experts
Our team of passionate, dynamic, and talented individuals.
How to claim
You’re in the hands of an expert. You can always be assured of professionalism, quick turn around times and world-class technical knowledge. We’ll keep you in the loop every step of the way. Simply send us an email detailing your claim and our claims department will contact you and your broker for specific details.
Frequently asked questions
Why do I need Broadform Liability Cover?
As a business owner, you are at risk from third party claims. Without liability insurance, the burden falls to you, unnecessarily exposing your business and perhaps even your personal assets. You are not required by law to purchase general liability insurance. However, many of the people you do business with will likely have liability insurance requirements written into their contracts. That means you may need this policy if you want to sign a commercial lease or a client contract. Proof of general liability coverage is also required to apply for certain professional licenses
How much cover do I need?
You can choose the deductibles and limits you need to suit your business. A general rule of thumb is to buy as much as you can afford, but your broker will guide you accordingly.
What does Broadform Liability Cover cost?
Liability insurance premiums vary a lot depending on factors such as the size and type of your business, the types of activities you conduct, the level of risk, the level of cover you choose, and your claims history. So, your premiums will be higher if your business has a high turnover, if you use a lot of equipment or dangerous machinery, or if your business experiences a high volume of visits from members of the public.
How often do I need to pay a premium?
Our cover has an annual premium, but this can be paid monthly at no extra cost.
iTOO Insights
10 Minute Expert: Broadform Liability
Discover how iTOO Broadform Liability cover protects your business from third-party claims, including product liabilities and incidents at your premises.
Why you should consider contaminated product recall insurance
The recent headlines have reported that South Africa’s biggest food manufacturer issued a product recall for certain KOO and...
