Liabilities insurance

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Business liability insurance is one of the most crucial insurance which needs to be taken by every business entity no matter how large or small.

The policy covers all the basic legal liabilities a business may incur to its employees and members of the public in course of the business.

We offer coverage for

  1. Commercial General Liability
  2. General/Public Liability Insurance
  3. Products Liability Insurance
  4. Employers Liability Insurance
  5. Professional Indemnity Insurance

Commercial General Liability

Comprehensive General Liability policy is an umbrella cover designed to protect the insured against legal liability to third parties arising out of their business activities.

The policy is ideally suited for medium and large enterprises involved in manufacturing, processing and servicing

The policy has four coverage sections:

  • Section 1: Public liability
  • Section 2: Environmental Liability
  • Section 3: Product Liability
  • Section 4: Employer’s Liability

The insured is free to choose the sections except for Section 1 – Public liability which is compulsory

Section 1: Public liability
This section protects against legal liability to third parties for personal injury, damage to property, trespass, nuisance or interference caused by an occurrence while engaged in carrying out the business.

Section 2: Environmental liability
This section protects against legal liability to third parties in respect of bodily injury or damage to property, trespass, nuisance or interference caused by sudden and accidental pollution or contamination in connection with the business within the coverage territory

Section 3: Product Liability
This section covers all sums (inclusive of defense costs) which the insured becomes legally liable to pay as damages as a consequence of:

  • Death/ bodily injury or disease to any third party.
  • Damage to property belonging to a third party.
    caused by nature or condition of any product manufactured, constructed, erected, sold, supplied, and/or serviced by the insured and/or his employees while engaged in the business

Section 4: Employer’s Liability

This section protects the Employer against legal liability to his employees for accidental bodily injury or disease caused in the course of employment and in the business. The indemnity provided by this section is in accordance with the Sharia Law and or Common Law pertaining to liability to Employees.

Public Liability

This insurance is designed to cover legal liability to third parties for accidental bodily injury to any person or accidental loss/damage to material property caused in connection with the Business and happening within the defined Territorial limits.

Public liability insurance should be taken out by any business, large or small that deals directly or indirectly with the public. The cover includes any legal fees and expenses which result from any claim by a third party.

With several optional covers available to choose from, you can tailor the policy to best meet your business needs viz. optional extensions like car park liability, first aid treatment, liability arising out of use of lifts, escalators, etc

Product Liability

If your business activity involves sale, supply, service or manufacture of products, you are responsible for the quality of such products and any liability that may arise from such products once these are sold and/or delivered. Essentially, you are legally responsible for any damage that such products cause to the customers of such products.

Product liability insurance is designed to protect the business from claims resulting from accidental death/bodily injury or accidental damage to property belonging to a third party caused by nature or condition of any product manufactured, constructed, erected, sold, supplied, and/or serviced by you and/or your employees while engaged in the business

Products liability insurance should be taken out by any business, large or small that manufactures, sell or supply goods/products.

With optional covers available to choose from, you can also tailor the policy to best meet your business needs.

The premium is based on several factors viz. nature of product, territory, etc and generally determined on the basis of Turnover of the business and the limits of liability (indemnity) selected

Employer’s liability

As a leading Global Insurer in the Afghanistan market, AGI Insurance offers complete protection to you as an Employer if you are held liable AT LAW to pay compensation when the employee proceeds against you for any accidental bodily injury and / or disease caused during the course of the employment.

In addition to the compensation awarded by the Courts, this policy also covers legal costs and expenses.

The policy can be modified to suit your requirements depending on the number of employees and the type of work performed by them (Please see key befits for detail)

Professional Liability

Is a form of liability insurance that helps protect professional advice and service providing individuals and companies from bearing the full sort of defending against a negligence claim made by a client, and damage awarded in such a civil lawsuit. The coverage protects on alleged failure to perform on the part of, financial loss caused by, and error or omission in the service or product sold by the policyholder.