Legal Liabilities & Costs



Get the right legal cover so you can focus on growing your business.

When it comes to liabilities – all businesses are different. Speak to Indwe Risk Services to find out what financial and legal responsibilities you have, and how best to safeguard yourself against these.

Our extensive liability cover includes: product recall, legal defence costs, errors and omissions, advertisers' liability, defective workmanship, aviation liabilities, car hire liability, cyber liability, commercial legal costs, employers' liability and more.

Our specialist liability team will put together an insurance strategy that effectively looks after your needs, ensuring that you are protected.

AIPL - The simple approach that ensures you have the cover you need as you grow your business

Indwe Risk Services endeavours to simplify the sometimes complex risk identification and evaluation process by using our AIPL approach. This accommodates practically all insurable risks and can be used for any sized company, from a small home-based business to a large multinational organisation. We will ensure you have all the cover you need as your business expands.


ASSETS:

  • Fixed or mobile, e.g. buildings versus vehicles
  • Tangible or intangible, e.g. property versus trademarks, designs and patents
  • Owned, operated, leased or borrowed, e.g. contractual conditions
  • Local or international, e.g. statutory considerations

INCOME / EXPENDITURE:

  • Income from trading operations
  • Non-trading income
  • Income from intangible assets
  • Personal income protection of owner(s)
  • Fixed contract purchases
  • Fixed costs
  • Variable costs
  • Non-trading expenditure
  • Alternative suppliers
  • Client dependency

PEOPLE:

  • Own people, e.g. trade risks, employee fraud, labour-related issues, legal liabilities, employee benefits
  • Third party contractors, e.g. personal injury, complicity with employees, labour-related issues, trade risks
  • Clients/Customers, e.g. dependency, competitive forces, credit risk exposures
  • Suppliers/Service Providers, e.g. dependency, competitive forces

LEGAL:

  • Common Law
  • Statutory
  • Indigenous
  • International
  • Contractual
  • Criminal
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