ITOO offers a number of value added products within our liability product range. These added benefits further mitigate our client’s business risk when used in the correct manner.

Legal Assist Hotline

This provides our clients with unlimited access to a 24/7 legal assist hotline. The hotline is manned and operated by a team of qualified attorneys. Telephonic advice is given solely in relation to the client’s business activities. This would include:

  • Contract reviews
  • Shareholder agreements
  • Supplier and procurement contract reviews
  • Employment-related disputes

Business Identity Theft

Identity theft is one of the biggest fraud issues being experienced globally at present. Our o​ff​ering here is to provide the insured company with cover in respect of any matter where its identity has been compromised. Identity theft may result in thieves unlawfully using the name, logo, banking information or marketing material of a business to commit ​fi​nancial crimes. The insured may suffer reputational, goodwill as well as ​fi​nancial losses.

There is a policy extension available that provides access to a full team of attorneys and adjusters so as to remedy the identity theft and “clear” the client’s name. We pick up the costs of the recti​fi​cation up to R500 000 on any one loss. The policy doesn’t cover the actual ​financial and/or consequential losses of identity theft. Our partner in this initiative is Identity Guard, which has a number of years experience in these types of matters.

Health and Safety Hotline

This offering is only included as part of our general liabilities product. In order to assist in managing the insured’s exposure in relation to employees and health and safety exposures, we have established a direct hotline that may be accessed for the following exposures:

  • Health, safety and environmental systems and procedures
  • OHSAS 18001 quality management systems
  • Compliance with statutory requirements
  • Hazardous environments and tasks
  • Occupational hygiene in the workplace
  • Checklists, compulsory registers, formation and election of health and safety representatives and committees
  • Health and safety plans and policies, emergency evacuation plans, emergency procedures and environmental plans