Public Employers’ Liability Proposal (ZAR)

Employers’ Liability

This section indemnifies you for your negligence in respect of claims arising from death or bodily injury to any person who is under a contract of service or apprenticeship with you, arising out of and in the course of a formal or casual employment by you in connection with the event(s) insured.

Should you require cover, a minimum limit of indemnity of R100,000,000 for employees, temporary staff or volunteers engaged for your event, is available on competition of the following:

Public Liability

This section indemnifies you for your negligence in respect of claims arising from death or bodily injury and or property damage up to a specified limit of indemnity; provided that such liability arises out of or in the course of the event(s) insured.

If you have existing cover as part of your office policy, it may not be adequate to protect you in respect of event organising activities.

Declaration

I/We declare that to the best of my/our knowledge and belief of the signatory/ies below that the information provided, whether in my/our hand or not, is true and I/we have not withheld any material facts.

If you are a consumer insured (i.e. a person buying insurance wholly or mainly for personal purposes unrelated to your employment), you have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This duty exists before the cover is placed, when renewed, or altered at any time throughout the duration of the policy. If you do not do so, your Insurer may be able to void your policy from inception.

If you are a business insured (i.e. an insured buying insurance wholly or mainly for purpose related to business). The Insurance Act 2015 contains new measures which we need to bring to your attention. You have a duty to disclose every material circumstance you know or ought to know, after a reasonable search. This applies before the cover is placed, when renewed and if altered at any time during duration of the Policy. A circumstance is material if it would influence an Insurer’s decision whether to accept the risk, including its terms and pricing. If you are in any doubt whether a circumstance is material to the risk, it should be disclosed, as failure to disclose may entitle your Insurer to either void the Policy from inception or impose different terms. Any claims made would wither not be paid or may be reduced in value. Where there are Warranties, Conditions Precedent or any onerous conditions applicable to your insurance policy, failure to meet such conditions could invalidate the cover (and hence no claims would be paid), or suspend cover until such warranty etc, is remedied (and any claims during the suspension period may not be paid).

I/We declare that:

1. I/We have never been declared bankrupt, insolvent or gone into voluntary or compulsory liquidation.
2. I/We have never been convicted of or charged (but not tried) with a criminal offence.
3. I/We are not aware of any existing circumstances that could lead to a claim under this policy.

It is important to note that membership of some trade associations can attract a premium discount.