Liability Insurance
When someone holds your business responsible, the right liability cover pays for your defence and the damages.
Every organisation owes duties to the people it deals with — customers, visitors, employees, investors and the wider public. If someone suffers injury, damage or financial loss and holds your business responsible, the legal costs and compensation can be significant, even when the claim is ultimately unsuccessful.
Liability insurance protects your balance sheet against those claims. We arrange cover for professionals whose advice others rely on, for directors and officers who make decisions on behalf of their organisations, for businesses that welcome the public onto their premises, and for employers responsible for the safety of their staff.
Cyber risk is the fastest-growing liability exposure for Zambian businesses. As more operations, payments and customer records move online, a data breach or ransomware attack can bring a business to a standstill. We can arrange cyber insurance that covers incident response, data restoration, business interruption and liability to third parties.
What we can arrange
Cover options at a glance.
Exact terms, limits and exclusions vary between insurers. We’ll walk you through the details of every option before you decide.
Professional indemnity
Claims alleging negligence, error or omission in the professional services or advice you provide.
Directors’ & officers’ liability
Personal protection for directors and senior managers against claims arising from their decisions.
Employers’ liability
Your legal liability for injury or illness suffered by employees in the course of their work.
Public liability
Injury to members of the public or damage to their property arising from your business activities.
Umbrella liability
Additional limits that sit above your primary liability policies for catastrophic claims.
Cyber insurance
Data breaches, cyber-attacks, system downtime and the liabilities that follow.
Why Symmetric
More than a policy. A partner for the life of your cover.
We compare the market
Your requirements go to insurers whose appetite and capability fit — and we negotiate on premium, excess and terms.
We explain it plainly
No jargon, no hidden clauses. You’ll know exactly what is covered, what isn’t, and what to do if something happens.
We stand by you at claims
From the first call to final settlement, we manage the insurer on your behalf and push for a fair outcome.
Often arranged together
All servicesBonds & Guarantees
Bid bonds, performance guarantees and other surety instruments for contractors and suppliers.
Learn moreAccident & Specialty
All risks, personal accident, money, burglary and fidelity guarantee cover.
Learn moreRisk Management
Risk advisory and on-site risk surveys that reduce losses before they happen.
Learn more