Liability Insurance

Third Party Liability Insurance  

Property owner shall obtain and maintain until Commercial Operation, to the extent available on commercially reasonable terms, General Liability Insurance including bodily injury, death and property damage to members of the public(not for insured's employees). Cover will extend to include liability arising out of sudden and accident pollution, car park, and etc...

Product Liability Insurance  

Products Liability provides indemnity for legal liabilities for bodily injury and property damage to third parties arising from products and services sold or supplied, or other work undertaken in the course of a client's business. This cover is often purchased combines with a Third Party/General/Public Liability policy.

The producer and/or exporter have risk exposure in their liability against the product especially export to USA and/or Canada territory. The products liability insurance provides the coverage for the producer / exporter against in case of defect, harmful, and damage to the third party or end user for bodily injury and/or property damage.

Product Recall Insurance  

Product Recall insurance provides protection in the event you must recall any of your products. Coverage can include product recall expenses and liability to third parties seeking damages because your product recall could cause a loss of income or damage their reputation. If your product poses an imminent threat of property damage or bodily injury, Products Recall Coverage should respond. It will respond to voluntary or involuntary recalls that satisfy the policy trigger. The cost related in case to recall products like;

  • Cost associated with notifying customers
  • Shipping Cost
  • Extra warehouse and storage expense
  • Actual cost to dispose of the products
  • The cost of extra personnel required to conduct the recall
  • The recall expenses of any third party for the recall of any product that incorporates your product including the cost to repair or replace such product
  • Business Interruption losses of others resulting from the covered incident
  • The cost to repair and rehabilitate brand reputation
  • The additional cost to purchase substitute goods to replace your products

Product Contamination Insurance  

An unintentional contamination, impairment or mislabeling of products during production, packing, or distribution process which could lead to bodily injury, sickness, disease, death or cause physical damage to property.

Employer’s Liability Insurance  

Employers are responsible for the health and safety of their employees while they are at work. Employees may be injured at work or they, or your former employees, may become ill as a result of their work while in your employment. They might try to claim compensation from you if they believe you are responsible.

This policy provides the coverage for the insured in respect of claim brought by its employees against for death, illness or injury caused by the employees negligence at work site.

Carrier’s Liability Insurance  

To provides insurance protection and pays on behalf of the insured as inland carrier against legal liability for goods whilst in transit within the country against loss/damage caused by vehicle collision, overturning/derailment, fire, explosion, theft etc.

Bailer’s Liability Insurance  

It is to protect property under care, custody and control of properties which is not belonging to the insured but it is under the insured’s liability as Bailer, Property Owner, Host of Operation etc…

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