Liability & Special Risks Cluster

Broadform Liability

Being held legally responsible for third party claims can financially cripple a company, destroying everything you have built up. We understand that even when your business is faultlessly following best business practice, things can go wrong – from incidents that occur at your premises to product liabilities that occur outside of them. iTOO’s Broadform Liability is designed by our industry leading experts to safeguard your many years of hard work.
You can get down to business, knowing you’ve got an expert covering you.

Why get your Broadform Liability covered by iTOO?

Expertise that defines our business. Service excellence that redefines it.

Our speciality cover protects you from being held legally responsible across a range of claims and is suited to a variety of businesses.
From a single claim to a large products liability resulting in multitudes of claims, our Broadform Liability offers protection from from an injury or damage:

  • Sustained by third parties when visiting your premises,
  • Arising from the activities that you perform as a business,
  • Caused by the products you provide, or
  • As a result of the work or services you perform.

 

We are different

At iTOO we’re experts who are willing to see things differently, never simply following, but creating a unique path to lead you to the best solution.
With iTOO Broadform Liability you have instant access to South Africa’s best legal experts fighting your fight for you.

Claim examples

Scenario

Waste is pumped down the incorrect drain into fuel tanks, causing machinery to stop and production to halt.

Scenario

A customer trips and falls at your premises.

Scenario

Third party goods are stolen after you accidentally leave your premises open.

How to get cover

All iTOO business has to be done via independent brokers so please ask your broker to contact us if you would like to get a quote for your Broadform Liability cover. If you do not have a broker and would like us to recommend possible FAIS registered brokers trained in our products, please fill in your details on our Find a Broker page. If you are a broker and would like more detail about our cover, please contact one of our product experts, whose details can be found here.

How to claim

Simply send us an email detailing your claim and our claims department will contact you for specific details.

011 351 5000 or ITOONewClaims@itoo.co.za

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.

Broadform Liability Contacts

Suzette Georgiou-Grobler

FAQs

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.