Liability & Employee Protection

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Liability & Employee Protection

1Employer’s Liability

Covers legal liability for injury, illness, or death of employees due to employer negligence. While not a substitute for Worker’s Compensation, it provides additional protection in the event of lawsuits or common law claims.

2Worker’s Compensation

A mandatory cover under the Botswana Workers’ Compensation Act, this policy is legally required and ensures employees are protected if injured or become ill due to work-related activities. It provides medical treatment, rehabilitation services, and compensates for temporary or permanent loss of income resulting from workplace injuries. Death benefits are also provided to the dependents of employees who die as a result of work-related accidents. The policy ensures compliance with labor laws and promotes safer working environments. FinSef supports businesses with proactive claims management and training to help prevent workplace incidents.

3Third Party Liability

Protects the business against claims for injury or property damage caused to third parties due to its operations.

4Fleet Insurance

Covers commercial vehicles under a single policy for damage, theft, or third-party liability. Ideal for businesses with multiple vehicles such as delivery vans, company cars, or service trucks.

5Comprehensive General Liability (CGL)

Offers broad protection against various legal liabilities, including premises liability, product liability, and operational risks. CGL is essential for businesses seeking all-round coverage for legal claims not otherwise insured.