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As South Africa’s leading specialist liability insurer, we provide tailored solutions to protect businesses operating in the large commercial and corporate sectors. In today’s complex business environment, organisations face a wide range of liability exposures, making a comprehensive Broadform Liability insurance programme essential to safeguard long term success.
Our expert team understands the intricacies of high risk industries and delivers customised cover for complex liability challenges. Broadform Liability insurance protects your business against legal liability for third-party injury or property damage arising from business activities. The policy offers an extensive range of standard covers and optional extensions to meet the specific needs of your operation.
Expertise
Our underwriting and claims teams bring extensive experience in managing complex liability exposures across a wide range of industries, from operational risks to sector-specific legal challenges.
Longevity
With over 40 years of handling complex, long-tail liability claims, we provide consistent, expert support throughout the claims lifecycle.
Solutions
No two businesses are the same, and neither are their risks. We offer carefully structured Broadform Liability solutions that are adaptable, comprehensive, and aligned with your organisation’s specific operational needs.
Custom-built policy with multiple sections and extensions to suit your business needs.
Limits up to R350 million
Worldwide jurisdiction
No contractual liability exclusion
Industry-specific solutions available
Optional and extra cover.
Products liability
Covers injury/damage from your products, including defective workmanship. Optional add-ons include recall, guarantee, inefficacy, and North American exposure.
General liability
Includes property ownership, fire/explosions, tool-of-trade, inland watercraft, airstrips, and sudden and unexpected pollution liability.
Optional extensions
Add cover for care, custody & control, lateral support, goods on the hook, drone liability (up to R5m), North American jurisdiction , and more.
Optional Sections of Cover
Employer’s liability, pure economic loss, statutory defence costs, defamation, warehouseman’s and carriers liability, and more.
Claim forms
Proposal forms
Get tailored casualty insurance solutions. Request a call back and our team will assist you with the right coverage options.
What information is required to get a quote?
We only work through licensed insurance brokers. A completed proposal form (available under the Downloads tab) is ideal. If you don’t have one yet, start with:
Where do liability claims come from?
Claims generally come from:
Does the Insured only need Products Liability cover if they manufacture a product?
No. The South African Consumer Protection Act (CPA) can hold any party in the supply chain legally responsible for harm caused by a product, this includes distributors, wholesalers, suppliers, retailers, importers, distributors, and retailers. The Santam product liability cover caters for any business who designs, formulate, specifies, manufactured, constructs, installs, sells, supplies, distributes, treats, services, alters or repairs tangible property.
Can cover extend to operations outside South Africa?
Yes, the policy includes an extension for African operations outside South Africa. However, compliance with local regulations is essential to avoid fines or claim issues, as many African countries restrict non-admitted insurance.
Will the liability policy cover the Insured’s own financial loss?
No. Liability insurance protects against third-party claims, not the Insured’s own losses.
Does my policy cover contracts I enter into?
The Broadform Liability policy covers both delictual and some contractual liability, but exclusions apply. For example, fines and penalties agreed to in a contract may not be covered.
Should incidents be reported even if the Insured isn’t liable?
Yes. All incidents related to business operations should be reported. Our claims team will assess and guide next steps, even if the Insured believes they aren’t at fault.
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