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Liability Insurance | Cush Insurance
Business Insurance

Liability Insurance

Stay Protected Against Unexpected Third-Party Legal Claims

C Cush Insurance Updated 2026 Guide
Liability Insurance

03

Cover options

29

Underwriters

24/7

Claims support

Fast

Claims handling

Overview

Liability insurance protects your business against third-party claims for bodily injury, property damage, and financial loss — including public, employers', and contractual liability.

Why this cover

A customer slips in your shop, an employee is injured at work, or a contract goes wrong. Without liability cover, the legal costs and compensation come out of your pocket.

Cover options

01

Public Liability

Covers injury or damage to members of the public caused by your business activities.

02

Employers' Liability

Covers injury or illness to employees arising from their work — in addition to WIBA cover.

03

Contractual & Careers Liability

Covers liabilities assumed under contracts and claims arising from negligent career advice or placement.

Key benefits

Third-party protection

Cover for claims by customers, the public, and employees.

Legal defence costs

Covers the cost of defending claims, even groundless ones.

Tender requirement

Liability cover is commonly required for tenders and contracts.

Who it's for

Businesses open to the public Employers of all sizes Contractors and consultants Schools, churches, and NPOs Banks, saccos, and financial institutions

Common terms

Third Party

Any person or organisation other than the insured who suffers loss.

Indemnity Limit

The maximum amount the insurer will pay for any one claim or period.

Why Cush

Why Get Liability Cover Through Cush?

We help you identify the liabilities your business actually faces and match you with the right limits from trusted underwriters.

Ready When You Are

Interested in Liability Insurance?

Speak with our advisors for personalised guidance and the right coverage for your needs.

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