In the ordinary course of business a company could cause damage to the property of others, or even injure people. As a result the company may become legally liable for the directors, subcontractors, customers, suppliers and shareholders - to name just a few.
Even though the company should do everything it reasonably can to prevent liability, it is simply not practical for a business to anticipate and prevent every possibility.
If the company is at fault, it may be sued for damages. The Camargue General Liability policies have been designed to pay for these damages - even if the matter is settled out in court. The policies would also cover legal costs incurred in defending the matter.
The Camargue General Liability product (CGL) covers a wide range of liability exposures that can be insured and then also provides each client with access to broad legal risk management tools to manage the balance.
Public liability on a broad-form, non-accidental basis.
Product liability, including defective workmanship and damage arising out of faulty design
Negligent advice which may for example, arise out of poor sales advice or training
A range of specialist covers, including product inefficacy, errors and omissions, pure economic loss, product recall and advertising and copyright infringement
Statutory defence cover, capable of defending the imposition of a fine arising out of the Consumer Protection Act.
Industry specific covers, such as custody & control, warehousing, carriers and contractors liability
Risk Management Services
Camargue’s unique M³ approach to insurance is geared towards managing, mitigating and migrating critical business risks – an outcome achieved through the provision of value-added risk benefits to policyholders. Notwithstanding the coverage provided in terms of the policy, the additional risk management benefits further enhance the Camargue product offering and go beyond simple insurance. The overall result is a well-rounded and complete solution to the risks faced in a commercial environment.
Risk Management Services included in the Policy cover:
Contract vetting and assessment with a particular focus on the CPA
CPA Workshops for sales and customer service staff
A commercial law help-line dedicated to CPA and other spheres of litigation
A comprehensive industry specific CPA website
Emergency medical evacuation services for visitors, search and rescue, repatriation, and medical expenses
Industry specific quality control and assessment services (Security, Agriculture, Food and others)
Crisis Communication Skilled support in managing public relations crises and avoid online media disasters
General risk surveys, health and safety, environmental and agricultural assessment
Cyber Vulnerability Scan (CVS) - A vulnerability scan is an inspection of the potential weaknesses in the security of a computer network. The CVS only requires the details of your externally facing internet protocol (“IP”) addresses, in order to examine for known vulnerabilities. Therefore it sees only what an outside intruder would see (like your locks, alarm and motion detectors) and tests the perimeter security – with no work required by you. Download our CVS Brochure here.
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