Liability Insurance

South Africa has become an increasingly more litigious society, therefore it is essential to safeguard yourself, your business and your employees from the risks of liabilities imposed by litigation and other legal claims due to malpractice, injury or negligence.

De Wet De Villiers has the following Liability insurance cover available:

Public Liability

Public liability arises when damage or injury occurs on the premises of the insured, because of the insured’s negligence during/due to the running of the business.

Directors’ and Officers’ Liability

Directors’ and Officers’ liability can arise due to poor decision-making or negligent business decisions made by a director of the business.

Employer’s Liability

Employer’s liability arises when you are legally liable to pay an employee for damages following an incident which occurred in the course of, or in connection with, your employees’ service with you.

Stated Benefits

Stated Benefits occur when a principal or partner of the company gets injured, or worse. This cover pays out in order for you to fill the role this individual played in the company until he or she returns to work, or as compensation for losing a high valued employee.

Medical Malpractice

Our litigious society has resulted in more and more attorneys specialising in medical malpractice cases and incidents. If you provide professional medical advice or services, it's imperative to protect yourself, and your practice, against claims of medical malpractice or professional misconduct.

Medical Malpractice is specialist insurance cover for any actual or alleged medical negligence by a healthcare professional, doctor or specialist. It also includes complaints that are lodged with the professions’ Councils.

Defective Workmanship

Defective Workmanship insurance is a necessity if your business repairs, maintains or works on assets or property that does not belong to you. We are only human and anyone can make a mistake. However, if your blunder causes injury to your client or damage to their property, you can be held responsible.

Our Defective Workmanship insurance solution can ensure your business's survival in the event of any incidents or litigation action against it.

Product Liability

An example of Product liability includes when a customer gets sick on your premises due to food you sold to them, as in the case of a restaurant. Your customer might sue the business. Product liability provides cover in such an event.


Contact us today to discuss your Liability insurance needs and to ensure you are adequately covered for any unforeseen event or incident.