Products & Services

04. Specialised

Specialised Liability

  • It is important to have liability cover if you are in certain professional vocations or when you own a business. Specialised liability insurance includes cover for professional negligence, employee dishonesty and other vulnerabilities where you or your business may be legally vulnerable. This cover includes protection against litigation arising as a result of the Consumer Protection Act.

    Products Liability
    It is critical for manufacturers, distributors, suppliers and retailers to have products liability insurance as they could potentially be held responsible for injuries caused by the products they manufacture, distribute or sell. Products liability cover is designed to protect these businesses against claims arising from the use, handling or consumption of your product.

    Defective Workmanship
    If your business repairs, maintains or works on property that doesn't belong to them, you need defective workmanship insurance. Unfortunately, everyone can make a mistake and if your mistake causes injury to your client or damage to their property, you will be held responsible. Defective workmanship insurance is a sensible way to ensure your business's survival.

    Directors' and Officers' Liability Insurance
    The insurance provided under this policy covers the company's directors, officers and managers in case they need to face legal action in their personal capacity for actions and decisions they made on behalf of the company. Directors and officers liability insurance covers individual members through advancing legal costs plus indemnification against certain costs for which they may be held personally responsible; thereby protecting their personal assets. This policy is a company paid insurance policy, with the insured persons being its members. The company itself is excluded from this cover. Stakeholders that could hold company management liable for bad decisions are: creditors, shareholders, customers, employees, SARS, state authorities and suppliers, etc.

    Product Recall
    This insurance covers the costs incurred to recall a product from the market. Product recall insurance is typically purchased by manufacturers such as food and beverage, toy and electronics companies to cover costs such as customer notification, shipping costs and disposal costs. Coverage generally applies to the firm itself, though additional coverage can be purchased to cover the costs of third parties. Product recalls can be involuntary when they are requested by a regulatory agency or the government, or it can be initiated by the company itself upon discovery of a problem with a specific product. In both instances, it has the potential to be a very costly exercise for the company.

    Employment Practices Liability Insurance
    The insurance cover provided by this policy covers employer's legal expenses, awards, out of court settlements and back pay following a reinstatement order made against it by the CCMA, Bargaining Councils and Labour Court for unfair labour practices such as unfair dismissal, discrimination, sexual harassment and failure to employ. The labour force in South Africa is possibly the most litigious community in the world. Employees have access to an efficient and inexpensive system to sue employers while employers are at the mercy of labour legislation and inconsistent decision-making processes at the dispute resolution platforms. Claims can be made against the company by past, current, permanent and temporary employees. Job applicants and contractors who claim to be employees may also be included.

  • Contract Works

  • Contractors All Risk
    This specialist insurance product provides cover against damage to, or loss of tools, materials and building works during the course of construction at a contract site. In addition, contractors all risk insurance includes cover for accidental or malicious damage or theft at a contract site, fixed and unfixed materials, tools and work in progress including surrounding property damage.

    Erection All Risks
    Erection and installation works is a hazardous business. The installation and testing of machinery, plant and steel structures may result in costly damage. Erection all risks insurance provides cover for a broad range of risks associated with this industry. Contractors, consulting engineers, architects and those in related professions will benefit from this product as it offers protection against unforeseen and costly accidents.

    Plant All Risks
    Construction sites are dangerous places; to protect your business against any loss of, or damage to machinery, plant and equipment used in civil and construction works, this highly specialised product provides for eventualities like mechanical failure, breakdown, depreciations, wear and tear, etc.

    Third Party Liability
    A contractor's site constitutes an unsafe environment, not safe for members of the public. However, the public often enter these locations either by necessity or mistake which exposes them to risk of injury or even loss of life. Third party liability will protect the contractor from the disastrous effects of legal action due to injury or death at a contractor's site.

  • Marine Insurance

  • Hull or Small Craft Cover
    Marine equipment and machinery are high-value assets for which comprehensive insurance is necessary. Hull Insurance includes cover for loss of, or damage to vessels as well as passenger and third party liability owing to negligence.

    Sea Going Vessels or Freight Cover
    Importers and distributors need hull insurance for sea going vessels. It covers marine cargo in transit including inland transportation. In addition, it includes cover for freights carried to and from locations abroad via land, air or sea.

    Domestic Marine
    Domestic marine insurance is intended for personal domestic policy holders in the event that they need to move goods from one house to another.

  • Aviation Insurance

  • Aviation insurance provides cover for a broad range of corporate, private or commercial aircraft owners. It includes cover for both fixed and rotor wing aircraft.

  • Game / Wildlife Insurance

  • Private and commercial game farms need specialised insurance to protect their wildlife assets from fire, lightning, flood damage, risks during capture, transportation risks such as post-release stress and many other risks. Our expertise and advice will provide you with the best, customised insurance solution.

  • Film Producers Insurance

  • The film industry is often dependent on weather conditions and other uncontrollable circumstances. As protection against these situations, we offer specialised insurance for film producers. Film producers' insurance includes the costs of re-shoots, continuing hire charges, non-appearance of artists and key film crew, plus all risk cover in filming and prop equipment, negatives, video takes and personal accidents.

  • Travel Insurance

  • The last thing you want to worry about while travelling is losing your belongings, delayed flights or medical expenses. For your peace of mind, ensure that you have adequate travel cover so you are prepared for unforeseen circumstances that may potentially spoil your holiday. Travel insurance includes cover for personal accident and liabilities, medical and dental expenses, loss of personal belongings, travel delays and cancellations.

     

  • ProCycle Insurance

  • As a cyclist, you want your bicycle insurance to comprehensively cover your bicycle while in use or during a race, both for road cycling and mountain biking. It is important to note that your general policy does not cover your bicycle while in use or at a race; therefore, ProCycle insurance is needed in addition to your general policy.

  • Motorhomes

  • This is a special group scheme for the members of the Motorhome Club of South Africa which is underwritten by Zurich Insurance. Cover is always fully comprehensive and we have now included the Assist Services product for roadside assistance.
    Requirements for the insurance:

    · The insured must be a member of the Motorhome Club of South Africa

    · The insured must have a permanent address in South Africa

    We also offer cover outside the borders: Botswana, Namibia, Zimbabwe, Lesotho, Swaziland, Mozambique, Zambia and Malawi.
    For a zero obligation quote, you can contact Bernice at Garrun Group on 011 694-5000 or email: bernice@garrun-group.co.za 
    Information can also be obtained on the Motorhome Club website.

  • Employee Benefits

  • The Garrun Group offers the following employee benefit services:

    • Consultation and support services that considers all products.  
    • Propose or assess a benefit structure for your company's pension or provident fund.
    • Consolidation of retirement funds and risk arrangements owing to amalgamations or takeovers. 
    • Establish an investment strategy and identify suitable investment portfolios to meet your company's investment plan.
    • Attend to a market rates test to ensure competitive rates pricing, ensure that policy conditions and other provisions are appropriate, and identify new market opportunities.
    • Help pension and provident funds comply with appropriate governance and legislation for the fund to ensure that correct procedures are followed when making decisions.
    • Assist companies to communicate the policy benefits and provisions to their staff; conduct informative and helpful presentations to staff in a number of languages.
    • Educate members on how the retirement fund works and explain associated benefits.


    Benefits include:

    • Pension funds
    • Provident funds
    • Group life assurance (insured death benefits)
    • Group disability income benefit arrangements
    • Group dread disease benefit arrangements
    • Funeral benefits
  • Professional Indemnity Insurance

  • Professional indemnity insurance, often referred to as PI insurance, covers legal costs and expenses sustained in your defence, as well as any damages or costs that may be granted, if you are alleged to have given inadequate advice, services or designs that cause your client to lose financially.

  • Choose an option
    • Specialised Liability
      • It is important to have liability cover if you are in certain professional vocations or when you own a business. Specialised liability insurance includes cover for professional negligence, employee dishonesty and other vulnerabilities where you or your business may be legally vulnerable. This cover includes protection against litigation arising as a result of the Consumer Protection Act.

        Products Liability
        It is critical for manufacturers, distributors, suppliers and retailers to have products liability insurance as they could potentially be held responsible for injuries caused by the products they manufacture, distribute or sell. Products liability cover is designed to protect these businesses against claims arising from the use, handling or consumption of your product.

        Defective Workmanship
        If your business repairs, maintains or works on property that doesn't belong to them, you need defective workmanship insurance. Unfortunately, everyone can make a mistake and if your mistake causes injury to your client or damage to their property, you will be held responsible. Defective workmanship insurance is a sensible way to ensure your business's survival.

        Directors' and Officers' Liability Insurance
        The insurance provided under this policy covers the company's directors, officers and managers in case they need to face legal action in their personal capacity for actions and decisions they made on behalf of the company. Directors and officers liability insurance covers individual members through advancing legal costs plus indemnification against certain costs for which they may be held personally responsible; thereby protecting their personal assets. This policy is a company paid insurance policy, with the insured persons being its members. The company itself is excluded from this cover. Stakeholders that could hold company management liable for bad decisions are: creditors, shareholders, customers, employees, SARS, state authorities and suppliers, etc.

        Product Recall
        This insurance covers the costs incurred to recall a product from the market. Product recall insurance is typically purchased by manufacturers such as food and beverage, toy and electronics companies to cover costs such as customer notification, shipping costs and disposal costs. Coverage generally applies to the firm itself, though additional coverage can be purchased to cover the costs of third parties. Product recalls can be involuntary when they are requested by a regulatory agency or the government, or it can be initiated by the company itself upon discovery of a problem with a specific product. In both instances, it has the potential to be a very costly exercise for the company.

        Employment Practices Liability Insurance
        The insurance cover provided by this policy covers employer's legal expenses, awards, out of court settlements and back pay following a reinstatement order made against it by the CCMA, Bargaining Councils and Labour Court for unfair labour practices such as unfair dismissal, discrimination, sexual harassment and failure to employ. The labour force in South Africa is possibly the most litigious community in the world. Employees have access to an efficient and inexpensive system to sue employers while employers are at the mercy of labour legislation and inconsistent decision-making processes at the dispute resolution platforms. Claims can be made against the company by past, current, permanent and temporary employees. Job applicants and contractors who claim to be employees may also be included.

    • Contract Works
      • Contractors All Risk
        This specialist insurance product provides cover against damage to, or loss of tools, materials and building works during the course of construction at a contract site. In addition, contractors all risk insurance includes cover for accidental or malicious damage or theft at a contract site, fixed and unfixed materials, tools and work in progress including surrounding property damage.

        Erection All Risks
        Erection and installation works is a hazardous business. The installation and testing of machinery, plant and steel structures may result in costly damage. Erection all risks insurance provides cover for a broad range of risks associated with this industry. Contractors, consulting engineers, architects and those in related professions will benefit from this product as it offers protection against unforeseen and costly accidents.

        Plant All Risks
        Construction sites are dangerous places; to protect your business against any loss of, or damage to machinery, plant and equipment used in civil and construction works, this highly specialised product provides for eventualities like mechanical failure, breakdown, depreciations, wear and tear, etc.

        Third Party Liability
        A contractor's site constitutes an unsafe environment, not safe for members of the public. However, the public often enter these locations either by necessity or mistake which exposes them to risk of injury or even loss of life. Third party liability will protect the contractor from the disastrous effects of legal action due to injury or death at a contractor's site.

    • Marine Insurance
      • Hull or Small Craft Cover
        Marine equipment and machinery are high-value assets for which comprehensive insurance is necessary. Hull Insurance includes cover for loss of, or damage to vessels as well as passenger and third party liability owing to negligence.

        Sea Going Vessels or Freight Cover
        Importers and distributors need hull insurance for sea going vessels. It covers marine cargo in transit including inland transportation. In addition, it includes cover for freights carried to and from locations abroad via land, air or sea.

        Domestic Marine
        Domestic marine insurance is intended for personal domestic policy holders in the event that they need to move goods from one house to another.

    • Aviation Insurance
      • Aviation insurance provides cover for a broad range of corporate, private or commercial aircraft owners. It includes cover for both fixed and rotor wing aircraft.

    • Game / Wildlife Insurance
      • Private and commercial game farms need specialised insurance to protect their wildlife assets from fire, lightning, flood damage, risks during capture, transportation risks such as post-release stress and many other risks. Our expertise and advice will provide you with the best, customised insurance solution.

    • Film Producers Insurance
      • The film industry is often dependent on weather conditions and other uncontrollable circumstances. As protection against these situations, we offer specialised insurance for film producers. Film producers' insurance includes the costs of re-shoots, continuing hire charges, non-appearance of artists and key film crew, plus all risk cover in filming and prop equipment, negatives, video takes and personal accidents.

    • Travel Insurance
      • The last thing you want to worry about while travelling is losing your belongings, delayed flights or medical expenses. For your peace of mind, ensure that you have adequate travel cover so you are prepared for unforeseen circumstances that may potentially spoil your holiday. Travel insurance includes cover for personal accident and liabilities, medical and dental expenses, loss of personal belongings, travel delays and cancellations.

         

    • ProCycle Insurance
      • As a cyclist, you want your bicycle insurance to comprehensively cover your bicycle while in use or during a race, both for road cycling and mountain biking. It is important to note that your general policy does not cover your bicycle while in use or at a race; therefore, ProCycle insurance is needed in addition to your general policy.

    • Motorhomes
      • This is a special group scheme for the members of the Motorhome Club of South Africa which is underwritten by Zurich Insurance. Cover is always fully comprehensive and we have now included the Assist Services product for roadside assistance.
        Requirements for the insurance:

        · The insured must be a member of the Motorhome Club of South Africa

        · The insured must have a permanent address in South Africa

        We also offer cover outside the borders: Botswana, Namibia, Zimbabwe, Lesotho, Swaziland, Mozambique, Zambia and Malawi.
        For a zero obligation quote, you can contact Bernice at Garrun Group on 011 694-5000 or email: bernice@garrun-group.co.za 
        Information can also be obtained on the Motorhome Club website.

    • Employee Benefits
      • The Garrun Group offers the following employee benefit services:

        • Consultation and support services that considers all products.  
        • Propose or assess a benefit structure for your company's pension or provident fund.
        • Consolidation of retirement funds and risk arrangements owing to amalgamations or takeovers. 
        • Establish an investment strategy and identify suitable investment portfolios to meet your company's investment plan.
        • Attend to a market rates test to ensure competitive rates pricing, ensure that policy conditions and other provisions are appropriate, and identify new market opportunities.
        • Help pension and provident funds comply with appropriate governance and legislation for the fund to ensure that correct procedures are followed when making decisions.
        • Assist companies to communicate the policy benefits and provisions to their staff; conduct informative and helpful presentations to staff in a number of languages.
        • Educate members on how the retirement fund works and explain associated benefits.


        Benefits include:

        • Pension funds
        • Provident funds
        • Group life assurance (insured death benefits)
        • Group disability income benefit arrangements
        • Group dread disease benefit arrangements
        • Funeral benefits
    • Professional Indemnity Insurance
      • Professional indemnity insurance, often referred to as PI insurance, covers legal costs and expenses sustained in your defence, as well as any damages or costs that may be granted, if you are alleged to have given inadequate advice, services or designs that cause your client to lose financially.

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