Business Liabilities

Safeguard Your Business, Minimize Risk

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Why our Business Liabilities Cover?

Financial Protection

Shields businesses from costly lawsuits, settlements, and damages.

Legal Requirement & Credibility

Often required by law and boosts business reputation and trust.

we are Paperless

We will fill-out all forms and send them for e-signatiure. Skip the printing & scanning.

In a nutshell

This policy provides protection to a company in the event that it is held legally responsible for damages or injuries caused to others, including clients, customers, or third parties.

Customer reviews

I've recommended Cosmic to all my friends and family because of the exceptional service I received. If you want a hassle-free insurance experience with a personal touch, look no further.

Vlad Winkler Entrepreneur

Choosing Cosmic was one of the best decisions I've made for my insurance needs. Their expertise and attention to detail gave me peace of mind knowing that I have the right coverage in place.

George Nekwaya Tech CEO

My experience with Cosmic was exceptional. Their friendly staff guided me through the entire process and made sure I had all the information I needed to make an informed decision.

Grace Chisenga Teacher

I appreciate their efficient process of electronically filling out forms for me and seamlessly obtaining my signature online within minutes. It saved me the hassle of handling paperwork.

Samuel Kalangula Sales Executive

In this forever busy & demanding world, my experience with Cosmic has been one of efficiency, very well tailored and personalized to make my life easier. I highly recommend their Service.

Dr Elina Barnabas-Shilongo Medical Doctor

Key Feautures

Buildings Combined Liability

Covers property damage and liability for accidents or injuries occurring in or around business buildings.

Add-on

Construction Liability

Coverage for construction-related risks, including accidents, damage to property, or injury to workers and third parties.

Add-on

Personal Liability

Offers protection against claims of bodily injury or property damage caused by an individual's personal actions.

Add-on

Cyber Liability

Protects against claims related to data breaches, cyberattacks, and loss of sensitive customer information, covering legal fees and fines.

Add-on

Office Premises Liability

Protects businesses operating in office spaces against claims of injury or property damage from clients or visitors.

Add-on

Public Liability

Protects businesses from claims by the public for injuries or property damage caused by business operations.

Add-on

Employers Liability

Covers businesses against claims from employees for work-related injuries or illnesses not covered by workers' compensation.

Add-on

Employers Liability

Covers businesses against claims from employees for work-related injuries or illnesses not covered by workers' compensation.

Add-on

Directors & Officers Liability

Protects directors and officers of a company from personal losses if they are sued for decisions made in their roles.

Add-on

Motor Liability

Insurance for vehicles, covering damages or injuries caused by vehicles owned or operated by a business.

Add-on

Ship Repairers Liability

Covers ship repairers for damages or injuries resulting from their work on vessels.

Add-on

Product Liability

Protects manufactures or retailers from claims of injury or damage caused by defective or unsafe products.

Add-on

Marine Stevedores Liability

Protects stevedores (dockworkers) from liability arising from damage to cargo or property during loading and unloading at ports.

Add-on

Passenger Liability

Provides coverage for claims from passengers injured during transport, commonly used in aviation, marine, or public transport sectors.

Add-on

Watercraft Liability

Insurance for boats or ships, covering damages or injuries caused by the watercraft.

Add-on

Pollution Liability

Covers claims related to environmental damage or pollution caused by business operations.

Add-on

Ts&Cs Apply

FAQ

Click Here to submit your details and have us call you ASAP. You may also call us on 061400000.

You can cancel your policy any time. However, if it is requred by law or by a service-level agreement (SLA) with another company, we strongly advise against canceling.

Under-insurance means your insurance isn't enough to cover the full cost of replacing your insured assets.

Insurance add-ons are optional extras that you can include in your standard insurance policy to enhance coverage.
 

NB* Add-ons usually come at an extra cost

An excess (also known as a deductible or first amount payable) is essentially an underwriting fee charged to minimise the number of small administratively expensive claims, or to reduce a loss ratio, and to impose a duty of care on the insured client. 

An insurance brokerage acts as an intermediary between clients and insurance companies. Their main functions include:
  • Advising Clients: Helping individuals and businesses understand their insurance needs and recommending appropriate policies.
  • Sourcing Policies: Comparing offerings from various insurance companies to find the best coverage and rates for their clients.
  • Negotiating Terms: Working with insurers to secure favorable terms and conditions for their clients.
  • Claims Assistance: Assisting clients with filing and managing claims to ensure they receive their entitled benefits.
  • Ongoing Support: Providing continuous advice and support, including policy reviews and updates as clients' needs change.

In essence, insurance brokerages help clients navigate the complexities of insurance to ensure they are properly covered.

Yes, Cosmic has valid licenses to carry out insurance broker services in Namibia. We are regulated  by NAMFISA and we are obligated to abide by the long-term and short-term insurance act.

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