Caymiska Mas’uuliyadda
Caymiskani wuxuu caymiyaa mas’uuliyadda sharciyeed ee ka dhalata dayaca shaqaaluhu ka gaystaan goobta ay ka shaqeeyaan ama qofka shaqadda lagu aaminay. Arintan oo sababi karta khasaaro balaaran oo soo gaara
cidda ama shirkadda shaqada leh.
The Benefits you enjoy…
Takaful African Liability Insurance covers are designed for corporate entities and businesses that provide products or services to their customers. It protects you against legal costs and loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.
What it is available for…
The Public Liability protects an insured person or organization against their legal liability to members of the public (third parties) arising from;
- Death or bodily injury to third parties
- Loss of or damage to third party property
Arising out of and in the course of the insured’s normal business within the premises or a defined geographical location. The policy will also cover the costs of defending any suit brought against the insured (defense costs), in addition to any award that may be made against the insured by a court of law.
The insured chooses a limit of cover, which in their opinion is adequate to protect themselves against any lawsuits. In determining this limit, consideration will be made by the insured of the nature of their operations/business, type and profile of their usual guests/customers, and the degree of hazard/exposure posed by their premises/operations to third parties. The policy can also be extended to include the product’s liability for manufacturing concerns.
In all circumstances, negligence on the part of the insured must be proved before the policy can pay any award.
Benefits to the Company…
- Covers all manner of costs including damages claimed, legal fees and other costs associated with defending a liability case.
- Protects a firm’s management and staff should any accidents arise that result in some form of loss, injury or damage to third party such as a customer due to their negligence whilst at work.
- Helps in the redemption of the image of the company when claims from third party persons are settled.
Requirements
- Duly completed and signed proposal form
- Company certificate of registration
- PIN certificate for the company
- Desired cover limits
- Location of the premises/business