Business insurance
When someone says it's your fault.
Cover for third-party injury and property damage your business is held liable for.
- Third-party injury
- Property damage
- Legal defence costs
General (public) liability insurance protects your business when a third party — a customer, supplier or member of the public — is injured or has their property damaged because of your business, and holds you legally liable. A single incident on your premises or at a client's site can lead to a large claim.
Ample arranges public and general liability cover across South Africa's leading insurers, paying the legal costs and compensation so an accident doesn't become a financial crisis.
What General Liability covers
Third-party injury
Compensation if someone is injured because of your business or premises.
Property damage
Damage your business causes to other people's property.
Legal defence costs
The cost of defending a liability claim against your business.
Products liability
Harm caused by the products you make, sell or supply.
On-site & off-site
Cover at your premises and while working at clients' sites.
Tenant liability
Damage to premises you rent, where you're held responsible.
Who general liability is for
- Retailers, restaurants and venues with foot traffic
- Trades and contractors working on clients' sites
- Manufacturers and suppliers of products
- Any business the public interacts with
General Liability FAQs
Do I really need public liability cover?
If customers, suppliers or the public ever set foot on your premises — or you work at theirs — yes. A slip, a falling object or damage you cause can lead to a claim far larger than most businesses can absorb.
What's the difference between public and products liability?
Public liability covers injury or damage from your operations and premises. Products liability covers harm caused by the products you supply. Both are often needed, and we can include each.
Is this the same as professional indemnity?
No. Liability cover handles physical injury and property damage; professional indemnity handles financial loss from your advice or services. Service businesses often need both.
How much cover should I take?
It depends on your industry, foot traffic and contracts (some clients specify a minimum). We help you choose a limit that genuinely protects the business without overpaying.
This page is general information, not financial advice. Cover varies by policy and provider — your dedicated Ample broker tailors it to your needs.
Related business cover
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Tell us a little about what you need and your dedicated broker will be in touch — usually within one business day. No bots, no pressure.
- Call us0861 112 466
- Email usinfo@ampleinsurance.co.za
- Office hoursMon–Fri, 08:00–16:30