General liability insurance safeguards you and your company against "general" claims such as personal injury, product and property damage. General liability insurance is required by almost every business operating in Ghana.
Employers have a legal liability towards employees for injury sustained, arising out of and in the course of their employment as defined under the Workmen’s Compensation law (P.N.D.C.L 187). Our Workmen’s Compensation Policy enables the employer to reduce the uncertain amounts he may be called upon to pay as compensation to the certainty of the insurance premium.
This is a 24-hour cover for Clients employees who sustain violent accidental injury. Basically the policy pays compensation for the following;
The capital benefit chosen is based on the employee’s annual salary or fixed amount.
As required by law, owners or occupiers of premises and handlers of machinery have a legal obligation to operate and maintain them in such a condition as to avoid harm to the public.
The policy indemnifies the company against legal liability to pay compensation to third parties for bodily injury, death or property damage.
If you’re a manufacturer producing products that you sell to customers or suppliers, there is a small chance that these could potentially harm the people who buy them and use them.
As an extension of our public liability insurance policy, our product liability insurance covers your business against legal damages as a result of bodily injury, illness or death to a person caused by any defect to a product you sell or supply.
That means that even if you didn’t intend for a product to cause harm, if it does and you’re involved in legal action, your business will be financially covered.
The QIC Professional Indemnity Insurance seeks to protect against the legal liabilities you incur because of the performance of your professional duties. It covers any professional act, error, omission, commission and negligence. The compensation covers damages, cost, charges and expenses incurred in the defence of any claim.
“D&O” insurance is a liability insurance payable to the directors and officers of a company, or to the entity itself, as reimbursement for losses suffered or payment of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.
Coverage is extended to cover defense costs arising out of criminal and regulatory investigations or trials.