Product Offering


Combined General Liability

(R200 million Limit)

Cover is on a Broadform, non-accidental, basis and protects against injury and/or property damage occurring to others as a result of the business operations.

The standard General Public Liability cover can be extended to include Pollution, Employers, Products and Contractors Liability.

Industry specific cover, including full Product Inefficacy, Product Guarantee (including Recall), Security Liability, Negligent Advice, Custody & Control, Warehousemens’ & Carriers’ Liability. Other covers available on request.

Types of industries that we typically cover:
• Contractors & Artisans (i.e. plumbers / carpenters / construction firms etc.)
• Accommodation and Food Services
• Service (i.e. cleaning / garden etc)
• Event Planners
• Agriculture & Forestry
• Wholesale & Retail
• Manufacturers & Assemblers
• Security Companies

Additional industries will be considered per request.

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• Product Liability in connection with any products involved in the navigation or safety of aircraft or aerial devices or marine craft
• Products Liability for manufacturers of tobacco products without a Carcinoma and Related Disease Exclusion Clause


Professional Indemnity

(R100 million Limit)

Many professionals are required to have this cover due to their respective industry or association requirements, others as peace of mind and to ensure they are not found liable for legal fees and compensation payments.

If our clients’ business provides a professional service or regularly gives advice, in exchange for a fee, they should consider Professional Indemnity Insurance.

Types of Professions that we typically cover:
• Accountants
• Architects, Interior Designers and Town Planners
• Engineers Quantity and Land Surveyors
• Project Managers
• Insurance Intermediaries
• Management, Environmental and IT Consultants
• Attorneys
• Estate Agents

Additional and miscellaneous classes will be considered per request.

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• Actuaries
• Antique Dealers and restorers & Art Appraisers, Dealers, Valuers, Restorers


Chartered Accountants Professional Indemnity Mutual


Service Providers to CAPIM, providing Professional Indemnity to Chartered Accountants and their firms registered with The South African Institute of Chartered Accountants (SAICA). Cover is underwritten, managed and administered Professional Risk Underwriters Africa and Guardrisk Insurance Company Limited (Guardrisk) is the Insurer.

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Professional Risk Underwriters Africa is a division of Natsure (Pty) Ltd. (1968/004869/07) | Natsure Pty Ltd is an approved Financial Services Provider (FSP: 4578)