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Stanbic Heights Star Assurance Headoffice

Liability

Public liability policies covers the insured against his / her liability to the public for death, bodily injury and property damage as a result of an accident, Products liability indemnifies the insured against accidental death or bodily injury caused by the insured’s products to the public  or consumers.

Public & Product Liability

While Public liability policies covers the insured against his / her liability to the public for death, bodily injury and property damage as a result of an accident, products liability indemnifies the insured against accidental death or bodily injury and property damage caused by the insured's products to the public  or consumers.

Employers Liability / Workmen's Compensation

We also provide Employer's liability or Workmen‘s compensation policy to cover our insured’s employees, who, in the immediate service of the insured shall sustain personal injury, disease or death arising out of and in the course of their employment.

The Policy could be extended to cover common law liabilities of the insured.

Professional Liability

Under the professional indemnity policy, the Company agrees to indemnify the assured up to but not exceeding in the aggregate limits stated in the schedule for any sum or sums which the assured may become legally liable to pay arising from any negligent acts, errors or omissions occurring during the period of insurance specified as a direct result of the professional conduct of their business.

This policy is more suitable for professionals like doctors, lawyers and accountants.

Directors and Officers Liability

This Policy shall indemnify the Directors or Officers of the company against Loss arising from any claim or claims made against them jointly or severally during the Period of Insurance by reason of any Wrongful Act committed in the capacity of Director or Officer of the Company.

Star Assurance shall pay on behalf of the Company Loss arising from any claim or claims made against the Directors or Officers jointly or severally during the period of Insurance by reason of any Wrongful Act in the capacity of Director or Officer of the company but only when the company shall be required or permitted to indemnify the Directors or Officers pursuant to the law, common or statutory, or the Memorandum and Articles of Association.

Wrongful act means any error, misstatement, misleading statement, act, omission, negligence, or breach of duty actually or allegedly committed or attempted by any of the Insured Persons, individually or otherwise, in their capacity as such, or any matter claimed against an Insured Person solely by reason of his serving in such capacity, and does not include any conduct actually or allegedly committed or attempted by Insured Persons in their capacity as a director, officer, trustee or employee of any organization other than the Insured, even if service in such capacity is with the knowledge and consent of, at the direction or request of, or part of the duties regularly assigned to the Insured Person by the Insured