In our daily activities, be it in our individul capacities as servants, business persons, manufacturers, or any corporate body we do things that can result in damage, loss, injury, death or diseases to others as a consequence of our negligence. In law, these give rise to legal liability of varying degrees and under English common law, there i no quantum limit to such a liability. Each case is assessed on its merit based on various factors. Those particularly affected are the hotel and restaurant operators who cater for all types of clientele.

We offer different types of coverage to meet varying needs at predetermined insured limits. Loss or damage to property, injury, death caused by servants and domestic animals can all be insured for.