Hollard Ghana Commercial Liability Insurance
Get covered for any liabilities created by your business, your employees or the products you produce.
Public Liability Insurance
Protect your business against accidents or illness that happen to your employees as a result of your operations
As a business, it’s your duty to look after your employees and customers while they’re on your premises. But accidents do happen – for example, you could run a manufacturing plant with dangerous machinery that could accidentally harm the people who operate them.
For these kinds of situations, public liability insurance covers you and/or your business against any accidental bodily injury or illness that happens on business premises, or if there’s an accidental loss or damage to a third party’s property on your premises.
This insurance covers your business whether the party involved passes away or not, and it also pays out for damages, legal costs and any other expenses that may be involved should there be a claim.
Product Liability Insurance
Protect your business against harm to a third party caused by a product you manufacture
If you’re a manufacturer producing products that you sell to customers or suppliers, there is a small chance that these could potentially harm the people who buy them and use them.
As an extension of our public liability insurance policy, our product liability insurance covers your business against legal damages as a result of bodily injury, illness or death to a person caused by any defect to a product you sell or supply. That means that even if you didn’t intend for a product to cause harm, if it does and you’re involved in legal action, your business will be financially covered.
Directors and Officers Indemnity
Cover yourself against your decisions as a company director
As a director or officer of a company, you’ll inevitably make decisions on a daily basis that can have huge effects and consequences on the people around you. But even the best managers make mistakes. What if you, as a director or officer, make a decision or take an action about the company that is seen as being a “wrongful act” – even if you were acting in good faith? This could result in a claim made against you for which you’d be financially liable.