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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 Solution

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.

The Cover

  • 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:

  • Private Arbitration Services    
    Offered through TOKISO Dispute Settlement – this service works towards fast, equitable resolution of disputes between the insured and their clients. As far as possible court proceedings are avoided saving time, money and more importantly reputation.
  • 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

Important Documents:

Important Notice:

Please save the fillable PDF Proposal Form to your desktop before inserting information. If the proposal form is not saved accordingly, some information may be lost.

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