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Evolution Liability is designed specifically for SMEs and professionals seeking robust protection in an increasingly complex risk environment. This next-generation, multi-line policy goes beyond traditional Broadform Liability to offer smarter, more comprehensive cover, all accessible through Santam’s Pocket Underwriter digital platform.
It brings together key specialist covers in one streamlined solution, including Public and Products Liability, Directors & Officers, Gradual Pollution, Property Worked Upon, and Recall & Guarantee. With modular flexibility and expert crisis support, Evolution Liability delivers the confidence and protection your business needs to move forward.
Solutions
The Evolution product range is specifically tailored to meet the unique needs of SMEs.
Expertise
Through our Pocket Underwriter platform, brokers gain access to clear, expert-driven insights into coverage options and exposures, simplifying complex liability insurance for SMEs.
Simplicity
Our intuitive digital portal enables fast, efficient transacting, anytime, anywhere - making it easier to get cover in place.
For businesses with: Turnover less than R50m, 100 employees or less, Assets < R200m, Wage bill < R10m.
Digital quoting
Quick quotes via Pocket Underwriter with built-in eligibility checks.
SME-focused cover
Ideal for small businesses needing specialist liability cover, including public, product, and cyber liability - all packaged for simplicity.
Core cover Includes
Public, product, pollution, fire spread, property worked on, and legal defence.
Specialist add-ons
PI, D&O, , product recall, and EPL cover.
Extra non-liability benefits
Death, disability, income protection, and emergency expenses.
Flexible & modular
Brokers can tailor cover by selecting combinations suited to each client’s risks within Pocket Underwriter.
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 happens if my business is above the SME threshold?
If the insured's business has a turnover above R50m per annum or requires more than the maximum limits and sub-limits available, our Specialist Liability solution will cover the insured's needs.
Can I add D&O to my Evo Liability policy without taking the other covers?
Our Pocket Underwriter system will alert you (the broker) if a particular cover is dependent on another cover also being selected. In the case of Directors and Officers (D&O) liability, no other cover is necessary.
Why is Personal Accident cover available in Evo Liability?
It is unusual to have a liability policy with GPA cover, however, at the time of developing the policy, we realised many employers were under the impression that the employers' liability section of their policy responds to employee injury claims. This is not the case, as Compensation for Occupational Injuries and Diseases (COID) remains the only option outside of the Personal Accident scope to claim for injuries. The COID legislation makes it virtually impossible for employees to sue an employer for injuries.
We wanted to offer employers an additional cover option for injuries to staff to supplement the protection provided by the Compensation for Occupational Injuries and Diseases (COID) fund.
Is the cyber cover in Evo liability the same as standalone cyber cover?
Cyber insurance policies generally provide a combination of first- and third-party insurance coverage. Some businesses have more liability exposure, especially if they store confidential personal information. The Evo Liability Cyber cover only provides third-party liability coverage. For comprehensive cyber cover, talk to our Specialist Cyber team.
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