Overview

Protects the company from an extremely wide range of civil liability claims brought by third parties. Much wider than standard public liability cover with many extensions including pure financial loss, custody and control and negligent advice.

Law suits, summons, exorbitant legal bills, crippling damages, court interdicts

We’ve all heard the stories about the culture of litigation that prevails in the United States, in fact most liability insurance policies have their origins firmly in that society. The US business owner has long been aware of the litigious nature of patrons, customers and members of the general public. It is this awareness that has enabled successful businesses to flourish in what many perceive as an impractical and highly adversarial legal environment.

So what does this have to do with the South African business environment? We’re not litigious, are we?

Recent studies show that there is a much greater awareness by the public at large of basic legal rights. Further to this, the advent of Consumer Protection legislation means that the average purchaser of services and products has a greater chance of success in civil litigation than ever before.

It has always been good business practice to manage safety for members of the public who are visiting business premises or purchasing products and services, but many business owners have relied on the fact that protracted legal processes are beyond the financial reach of most South Africans. Obsolete liability insurance policies that have not kept up with legislative changes give the business nothing more than a false sense of security. Flimsy disclaimers, inadequate quality control, and “hold harmless” agreements with suppliers are held up as if they were magical charms that could ward off the advances of any evil litigant.

Regrettably there are no magical charms, and as the fairy tale legal environment draws to a close, South African businesses are forced to seek out new ways of managing their business liability risks. The Camargue General Liability (CGL) product has been designed with the changing legal playing field in mind, giving broader cover that protects the business against a myriad of potential injury and damage claims.

In addition to this, the CGL package also contains the modern day answer to the elusive magical charm; real risk management tools that actually make a difference to the well being of the business environment. These tools include access to:

• senior Advocates who specialise in consumer protection obligations
• product safety and quality control risk experts
• a network of legal practitioners who are well equipped to take much of the uncertainty and anxiety out of the legal process.

Camargue  General Liability – complete the risk transfer cycle with broad cover and real risk  management.