Public Liability Insurance

tick Cover starting from as little as R150* tick Legal support for covered claims tick We can offer up to R100 million cover

Premiums are risk profile dependent and subject to annual review.

Protect your business with Public Liability Insurance

You are not just running a business, you are building a legacy. At 1st for Women, we understand that behind every successful business is a determined woman making things happen. But even the most prepared business owners can face unexpected setbacks. That is where we come in.

1st for Women Public Liability Insurance is designed to help you grow your business with the confidence that comes from knowing you are protected. If something goes wrong, and your business is held legally liable for a client being injured or their property being damaged, our comprehensive and affordable cover is here to protect you from the potentially high cost of legal claims.

What is Public Liability Insurance?

Public Liability Insurance protects your business when things do not go according to plan. If you or your employees are found legally responsible for causing injury to a third party or damaging their property, this cover helps to manage the financial and legal consequences.

Whether an incident happens at your office, studio, salon or while you are working at a client’s premises, 1st for Women is here to support you. From legal expenses to compensation costs, we have your back when it matters most.

Who needs Public Liability Insurance?

Public Liability Insurance is essential for businesses that interact with clients, customers, or the public. It protects you if someone is injured or their property is damaged because of your business activities.

Artisans & Tradesman

Stay protected on-site and off. Cover for accidental injury or property damage caused during your trade work.

Retailer & Shops

Protect your store from claims if a customer is injured or their property is damaged while visiting your premises.

person-female-profession_call_center_agent

Service Providers

Whether you're on the road or at a client’s location, stay covered against third-party injury or damage claims.

Manufacturers & Distributors

Cover for liability arising from the production or supply of goods that may cause harm or damage to customers or third parties.

person-male-profession_construction_worker

Property Owners

Safeguard your office and client interactions from claims due to accidental injuries or property damage.

Hospitality & Food Services

From spills to slips, get protection against liability claims in restaurants, cafés, or accommodation spaces.

Choose award winning insurance

First for putting her first, consistently

We're honoured to be awarded as the Top Short-Term Insurer within the short-term Insurance category in the ASK AFRICA Orange Index^TM 2026/2027. Over the past decade, First for Women is the only insurer to have claimed the Top Short-Term Insurer title three times in the ASK AFRICA Orange Index^TM Short-Term Insurance category rankings between 2017 and 2027. This recognition reflects our long-standing commitment to putting women first through exceptional service, trusted relationships, and industry-leading customer experiences.*Based on the Ask Africa Orange Index Short-Term Insurance category rankings from 2017 to 2027"

First for putting her first, consistently

Worlds best insurance companies 2023-2026

Our ongoing commitment to her first resonates on a global level. We are proud and humbled to be included in the Forbes and Statista World’s Best Insurance Companies 2023 to 2026 List.

Worlds best insurance companies 2023-2026

Our ongoing commitment to her first resonates on a global level. We are proud and humbled to be included in the Forbes and Statista World’s Best Insurance Companies 2023 to 2026 List.

We’re proud to be rated an excellent 9.2*/10 for service excellence.

*Based on customer feedback from internal surveys following service interactions.

We’re proud to be rated an excellent 9.2*/10 for service excellence.

*Based on customer feedback from internal surveys following service interactions.

What is the difference between Public Liability, Defective Workmanship and Products Liability?

Public liability

Public liability insurance protects you if something goes wrong while you're working on a project, before it's finished and handed over. For example, if you accidentally damage someone's property or cause an injury during the work process, this insurance has your back.

Defective workmanship

Defective workmanship insurance kicks in after the work is completed and handed over. If issues arise due to faulty work, this insurance covers the resulting damage or injuries. However, it's important to note that neither public liability nor defective workmanship insurance will cover the costs of fixing or redoing the faulty work itself.

Products liability

Products liability insurance covers any damage, loss, or injury caused by a product you've supplied after it's been handed over to the customer. For instance, if a product you sold causes harm to someone, this insurance will help cover the costs. But remember, it won't cover the cost of replacing the defective product itself.

What does Public Liability cover?

Public Liability Insurance covers businesses for third-party injury or property damage caused by their negligence.

Safe Premises

Ensuring that business premises are safe for visitors, customers, and the public.

Employee Safety

Making sure employees act responsibly and safely when working on third-party premises.

Product Safety

Taking reasonable steps to ensure that products supplied or sold are safe and do not cause harm.

Maintaining Quality

Carrying out work to an acceptable standard to avoid causing damage or injury due to poor workmanship.

Extend your cover for added protection

Advertising liability

Provides cover for alleged liable, slander, defamation, copywrite infringement which arises out of your advertising activities.

Wrongful arrest

Cover for claims arising out of wrongful arrest, committed or alleged (other than by you) to have been committed in the course of your business.

Claims preparation costs

Cover for costs incurred by you to produce and certify any particulars or quantifications of the claim expressly requested by us in order to investigate any claim.

Incidental medical malpractice

Cover for a negligent act, error or omission in the professional services rendered or which should have been rendered by any medical practitioner, nurse or other medical official in your full or part-time employment.

Negligent advice

Cover for claims arising from negligent advise that was given in the course and scope of your work including in connection with a product but excluding advice given for a fee.

Pure economic loss

Cover for claims arising from negligence (other than in the provision of professional services) in the course of the business.

Contractor’s liability

Cover for claims arising from injury and/or damage arising out of or in connection with any construction works undertaken by or on your behalf but excluding damage to property for which indemnity is provided in terms of a contract works policy, whether insured or not.

Products Inefficacy

Cover for any other party alleging that they suffered financial loss by reason of tangible property (other than your products) being due to or alleged (other than by you) to be due to the failure of your product/s to perform as specified, warranted, guaranteed and/or to fulfil the intended function.

Excess motor liability

This insurance extends to indemnify you for any amounts in excess of any underlying motor liability insurance as stated on your schedule. Subject to R5 million minimum underlying limit.