Contingent legal liability
This product typically protects the owner of the vehicle in third-party liability claims.
Contingent liability arises when a business owner is held liable for the bodily injury, property damage or personal injury, which has been directly caused by another party the business owner happens to be in contractual relations - in this case, it would be the vehicle.
Benefits
- General Liability: This offers a variety of protections, and one is an indirect liability.
- Bodily Injury:This coverage protects you if a customer or client is injured on your property. It covers injuries and legal bills up to your policy limits and protects you if the injury is caused by the actions or inaction (didn’t put up that wet floor sign) of your employees or even contractors working for your business.
- Property Damage: This covers damage you may do to a client’s property. If you or one of your employees spills a cup of coffee on a client’s server, which not only damages the server but also causes data loss, this portion of your general liability policy will cover the damages.
- Personal Injury: This covers issues such as slander and libel. If one of your employees is overheard making false and slanderous statements about one of your clients and the client sues, the personal injury section of the policy will pay for the damages.
- Errors and Omissions Insurance: This is also called professional liability coverage and it protects you from mistakes or negligence that results in financial loss for your client.
You may also be interested in...
Chauffer Driven (PSV)
Chauffeur driven provides protection against damage of property. damage to property of third parties arising from the use of motor vehicles owned and/ or operated by the insured.
Self Drive (PSV)
The insurance covers Motor vehicles used to carry passengers for hire and reward, specifically used for self-drive.
Own Goods
Own goods refer to goods which form part of the client’s business. As a business owner, anything can go wrong.
Boda Boda & Tuk Tuk (PSV)
TukTuks and Bodabodas are a great, effective way to get around, but we all know they can be risky.
General Cartage
If you're in the business of transporting, look no further than KCB's General cartage insurance.
Trade External Risks
If you're in the business of transport, you need to get this cover. It protects you against loss or damage to your vehicle.
Institutional Vehicles (PSV)
It's always good to have motor vehicle insurance that caters specifically for institutions like schools, hospitals, universities, etc.
Petroleum Tankers
This cover is great for you if you're in the Petroleum business.
Taxi (PSV)
If you are a new taxi driver looking for cover, or a seasoned pro looking for the best policy, we got you covered.
Matatu/Bus (PSV)
This policy provides comprehensive passenger service vehicle insurance to Matatus and Buses.
Motor Asset (PSV)
This policy provides comprehensive passenger service vehicle insurance to compensate individuals, businesses and Matatu SACCOs/companies/transporters.
Special Vehicles
Our Specialist Vehicle Insurance covers a wide range of vehicles – so you can enjoy the open road with peace of mind.
Trade internal risks
This is designed specifically for motor traders who require more coverage than a standard road risks policy.
