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Home / Insurance Solutions / Accident & LiabilityAccident & Liability

Every business carries risk.
We carry it with you.

Accidents happen. What separates businesses that survive them from those that don't is whether the right liability cover was in place — before the incident, not after.

Coverage Types

Liability cover for
every situation.

👤

Personal Accident

Lump sum benefit or weekly income for accidental death, permanent disability, or temporary disability. Covers individuals and groups, 24 hours a day, worldwide.

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🏢

Public Liability

Covers your legal liability for injury to members of the public or damage to their property arising from your business activities — on or off premises.

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👥

Employer's Liability

Mandatory in Guyana. Protects your business against claims from employees injured or becoming ill as a result of their work, including all legal defence costs.

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Workmen's Compensation

Covers statutory compensation payments to workers injured in the course of their employment as required under the Workmen's Compensation Act of Guyana.

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🛒

Product Liability

If your business manufactures, distributes, or sells products, you are responsible if those products cause harm. Product liability covers all arising claims.

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Excess of Loss

Provides additional liability protection above your primary policy limits — essential for high-value contracts and large operations.

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Who Needs It

If you employ staff
or serve customers,
you are exposed.

Any business that interacts with the public, employs staff, or operates from premises carries liability risk.

  • Retailers and service businesses
  • Contractors and tradespeople
  • Manufacturers and distributors
  • Hospitality and events businesses
  • Healthcare and professional practices
  • Any business with staff or customers on premises

Real Scenarios

A customer slips and falls

Medical costs, legal fees, and compensation can reach hundreds of thousands regardless of fault.

An employee is injured on site

Employer's liability claims include lost wages, medical treatment, rehabilitation, and permanent disability damages.

Your product injures a customer

Without product liability, you bear the full cost of compensation, legal defence, and any recall costs.

Don't Leave Your Business Exposed

Get the right liability
cover today.

One conversation with our brokers ensures you are fully protected before an incident occurs.