Liability

Get all your business covers in one place

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Liability

Get all your business covers in one place

Get quote general form

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Liability insurance policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties.

Such policies cover the personal liability of company directors and officers as individuals (Side A cover), but also the reimbursement of the insured company in case it has paid the claim of a third party on behalf of its managers in order to protect them (Side B or Company Reimbursement Cover).

Managers can make mistakes – and are often personally legally liable for them. They constantly walk a fine line, making tough and complex decisions with huge impacts on the basis of the sometimes limited information available. This increased complexity in the operating environment puts managers in the firing line.

Liability Insurance Policies We Offer

Directors and officers
Workers compensation
Group Personal Accident
Trustees Liability
Professional Indemnity

What’s covered

The most Common Directors & Officers liability risk scenarios include:-

Employment practices & HR issues

Shareholder actions

Reporting errors

Inaccurate or inadequate disclosure (e.g. in company accounts)

Misrepresentation in a prospectus

Decisions exceeding the authority granted to a company officer

Failure to comply with regulations or laws

The D&O policy will pay for;

Defense costs and financial losses.

What’s not covered All current, future and past directors and officers of a company and its subsidiaries are covered under a D&O policy, which can also include non-executive directors.

In very specific cases like securities claims, the policy can even be extended to cover claims against the company itself. Cover is usually taken out and paid for by the company.

What’s optional

Fraud

Intentional non-compliant acts

Illegal remuneration or personal profit

Property damage and bodily harm (except Corporate Manslaughter)

Legal action already taken when the policy begins

Claims made under a previous policy

Claims covered by other insurance

In addition, extensions to many D&O policies also cover costs for managers generated by administrative and criminal proceedings or in the course of investigations by regulators or criminal prosecutors.

What’s covered

Medical costs due to injury or illness occurring while employee was on the job

Payment of injured employee’s missed wages

Provide necessary ongoing care for injured employee

Covers legal costs if employee sues your company due to the injury

Funeral costs and death benefits if employee dies due to a work related event

What’s not covered

Funds to Improve Workplace Safety

Third-Party Damage

Injuries suffered while an employee is intoxicated or using illegal drugs.

Injuries caused by a worker who starts a fight.

Injuries suffered while a worker was committing a serious crime.

Injuries suffered while an employee was not on the job.

Injuries suffered when an employee’s conduct violates company policy.

Willful attempt to injure oneself or another.

Employees who suffer a heart attack.

Injuries from repetitious mental trauma.

Contracting ordinary disease of life.

Injuries suffered during participation in off-duty recreational activity.

An incident that arose out of an act of God.

Employee’s horseplay that produces or causes an injury.

What’s optional Choose optional add-ons at an additional cost to create cover that suits you.

Political Violence and Terrorism: Cover against political violence and terrorism

What’s covered

Accidental Death: Compensation is paid to the family member of the employee in case there is an injury resulting in the loss of life of the worker.

Permanent Total Disability: If the employee meets any accident that resulted in a permanent disability that continued for 12 months, then the compensation up to sum assured is paid to the employee.

Permanent Partial Disability:span> In case there is any injury to the employee due to which he became partially disabled, then 2% to 60% of the sum assured depending on the terms of the policy is paid by the insurer to the employee. But, the disability should be continued for more than 12 months.

Weekly Benefits:> The employee is entitled to a weekly benefit if he is full disabled, but for a temporary period to compensate the loss of salary due to not working.

Mortal Remains Charges: The policy also reimburses all the expenses relating to transportation of mortal remains of the employee to his home or ground up to an agreed limit.

Medical Reimbursements: The plan reimburses medical expenses and hospitalization charges related to the injury up to an agreed limit.

What’s not covered The Policy excludes injury which is the result of or is contributed to by

Hazardous Pursuits or occupations a) any adventure, dangerous or hazardous sports or activities such as parachuting, mountaineering or rock climbing (with use of ropes or guides), potholing, winter sports (other than curling or skating), bungee jumping, diving with scuba apparatus, water skiing, hunting, show-jumping, steeple chasing; the professional practice or participation in any sport; riding or driving in any kind of race or endurance test.

Intoxicating Liquor or Drugs alcoholism or drugs taken by the Insured other than drugs taken under medical supervision but not for the treatment of drug addiction.

Self-inflicted injury or sickness suicide or attempted suicide intentional self-injury or

Pregnancy/Childbirth pregnancy childbirth miscarriage or abortion.

Pre-existing conditions any physical defect infirmity medical condition chronic or recurring sickness which existed at or before the commencement of this policy unless it has been declared to and accepted by the Company.

Venereal Disease venereal or any other sexually transmitted diseases .

HIV/AIDS HIV (Human Immune-deficiency Virus) and/or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations thereof however caused.

War & Terrorism Exclusion

Radioactivity and Nuclear risk a) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.

What’s optional Choose optional add-ons at an additional cost to create cover that suits you.

Political Violence and Terrorism:Cover against political violence and terrorism

Death due to Natural Causes: Cover can be extended to include natural causes with our Group Life Extension

What’s covered A Trustees’ policy will address the concerns and liabilities of both the trustee, and the trust when indemnifying the trustee.

Trustees’ Liability insurance can provide cover for:

Individual trustees and corporate trustees (if declared)

Judgements and settlements

Fidelity cover to protect trust assets against theft or fraud by a trustee

Defence costs

Costs to appear at inquiries or investigations

What’s not covered

What’s optional

What’s covered

All our products cover both damages and defence costs arising from allegations that maybe made on a company from a third party. The wordings are suitably customized for the various professions as required.

What’s not covered

Intentional wrongdoing

Illegal acts

General liabilities

Employee injuries

Employment disputes

False advertising

Property damage

What’s optional Choose optional add-ons at an additional cost to create cover that suits you.

Political Violence and Terrorism:Cover against political violence and terrorism

Download Product Information

How to File a Claim? After you buy any of our insurance plans, you live tension free with our 3-step quick claims process!

Step 1Give us a call; +256 392 177 281 or send us an email at info@allianceug.com and we’ll call back.

Step 2 Upload the required documents and your personal credentials details, on the link sent.

Step 3We’ll take care of the rest!

Claims requirements

Public liability

Duly filled claim form
Demand note from the third party
Police abstract report – if applicable
Comprehensive statement from the insured on how the loss/ damage occurred
Repair or replacement estimate for the damages in case of Third party property damage
Medical notes, bill and receipts in case of injury to Third party
Any other relevant document depending on the nature of loss

Workers compensation

Dully filled claim form
Copy of the employee ID
Salary slip for at least two months prior to the incident
Medical notes, bills and receipts
Police medical examination form ( in case of RTA)
LD form 31, 35 & 87
Any other relevant document depending on the nature of loss

Professional indemnity

Dully filled claim form
Demand note from the third party holding the insured liable
Employment details of the insured’s employees
Comprehensive statement on the circumstance leading to loss
Contract between the insured and third party
Evidence to prove negligence of duty ,error or omission of professional service rendered
Any other relevant document depending on the nature of loss

Personal accident

Duly filled claim form
Copy of the employee ID
Salary slip for at least two months prior to the incident
Medical notes, bills and receipts
Police medical examination form (in case of RTA)
Any other relevant document depending on the nature of loss

Liability

Motor

Covers both private and commercial vehicles on a third party policy or comprehensive basis.

Property

Covers the insured's property against loss or damage caused by fire and allied perils.

Projects & Engineering

Comprehensively cover various types of risks exposed to a civil contract.

Marine

Covers the loss or damage of ships, cargo, and any transport or property.

Finance

Covers the loss of your money whilst in transit and whilst in the premise.

Travel

Cover any emergency medical-related expenses, trip cancellation or lost luggage.

Accidents

Cash, bank notes, brand drafts, currency notes, cheques, current postage stamps, postal orders, mone

Liability

Protects you against claims for personal injury or damage to a third party.

COVID Crusher

A Covid Crusher is a single-use cover designed to protect you against COVID-19 related financial impact.

Home Alone

Gives protection to contents against fire and burglary while you are away and your house is locked.

Domestic Trip

Gives protection to fare paying commuters within city, to anywhere in East Africa.

Trade All Risk

It's to provide an ease of handling with peace of mind cover to small traders, It's a Shop keeper

frequently asked questions

How do I cover items that I take away from the home?

You will need contents insurance, sometimes known as all risk cover, for items for which you require cover out with the home. Please provide details of these items at the time of quotation to ensure that the policy provided meets with your requirements.

What is accidental damage cover?

Other products

Motor

Property

Projects & Engineering

Marine

Finance

Travel

Accidents

COVID Crusher

Home Alone

Domestic Trip

Trade All Risk

Home Alone Insurance Cover

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Liability

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