General Liability



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 Policy has been designed to pay for these damages – even if the matter is settled out in court and 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 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


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:

  • Crisis Communication & Public Relations
    Skilled support in managing public relations crises and avoiding online media disasters.
  • 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.
  • Emergency
    Medical evacuation services for visitors, search and rescue, repatriation, and medical expenses.
  • General risk surveys, health and safety, environmental and agricultural assessment
  • Legal Support
    Contract vetting and assessment.
  • Private Arbitration Services
    Offered through TOKISO Dispute Settlement – this service works towards the 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.
  • Telephonic Services
    Access to labour law advice.


John Stebbing
Divisional Director

011 778 9163 / 084 068 3464

Dehlia Lamprecht
Senior Underwriter

011 778 9184 / 083 238 4501

Shamima Jogee

011 778 9140 / 072 822 2018

For general queries, please contact us at



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