Protect What Keeps Your Business Moving
Protect Your Business from Legal and Financial Fallout
Cyber, Professional & Commercial Liability Insurance
Your business could faces risk, whether it’s a lawsuit from a client, a data breach, employee misconduct, or a commercial crime event. Without the right liability cover, a single incident can lead to legal claims, financial loss, or reputational damage that threatens your operation.
Claims Are Closer Than You Think
Even one email, decision, or employee error can trigger a liability claim, whether it’s a director being held personally responsible, a supplier suing over damages, or a former staff member alleging unfair treatment. Without the right cover in place, defending your business could cost more than you think.
Many assume, “We’re covered,” until the exclusions are tested.
Cyber Liability Insurance
Cyber Liability Insurance safeguards your business from digital threats like data breaches, ransomware, and system failures. It helps cover your losses, protect your clients, and keep you compliant with POPIA.
- Data breach response & forensic investigation
- Ransomware & extortion costs
- Business interruption from cyber incidents
- POPIA fines & legal defence
- Third-party liability for leaked data
Ideal for businesses that store customer data, use cloud platforms, or rely on digital systems.
Directors & Officers (D&O) Liability Insurance
D&O Liability Insurance protects company directors and officers from personal financial loss if they're held liable for decisions made in their roles. It covers legal defence and damages, helping leaders act confidently in today’s high-risk business environment.
- Mismanagement or breach of fiduciary duty
- Inadequate cybersecurity controls
- Regulatory or shareholder claims
- Wrongful dismissal or discrimination
Ideal for directors, board members, trustees, and senior executives in private or public companies.
Commercial Crime Insurance
Commercial Crime Insurance protects your business from financial losses caused by theft, fraud, or dishonest acts, by employees or outsiders. It covers risks that general insurance often excludes, including both physical and cyber-related crimes.
- Employee theft or embezzlement
- Fraudulent EFT or invoice redirection
- Cyber-enabled social engineering scams
- Forgery of financial instruments
- Theft of stock, cash, or key assets
Ideal for businesses handling cash, payments, payroll, or accessing sensitive financial systems.
Professional Indemnity Insurance
Professional Indemnity Insurance protects you against claims of negligence, errors, or omissions in your professional work. Whether a mistake is real or alleged, this cover shields you from legal and financial consequences.
- Negligent advice or incorrect reporting
- Design or calculation errors
- Breach of professional standards or contract terms
- Legal defence costs and settlements
Ideal for consultants, architects, engineers, auditors, attorneys, and other licensed professionals.
Medical Malpractice Insurance
Medical Malpractice Insurance protects healthcare professionals from claims of negligence, misdiagnosis, or treatment errors that cause patient harm. It helps cover legal costs and protects your ability to practise with confidence.
- Misdiagnosis or incorrect treatment
- Surgical errors or medication mistakes
- Failure to obtain informed consent
- Alleged negligence in patient care
- Legal costs, settlements & HPCSA proceedings
Ideal for doctors, specialists, nurses, allied health professionals, and private medical practices.
Employers' Liability Insurance
Employers' Liability Insurance protects your business against employee claims for injury, illness, or harm sustained at work, especially when compensation is sought outside of COIDA. It helps manage legal risks and financial fallout from workplace disputes.
- Injury claims not covered by COIDA
- Allegations of employer negligence
- Legal defence costs & compensation payouts
- Claims for occupational disease or psychological harm
- Labour court & CCMA-related actions
Ideal for businesses with staff in high-risk roles or where COIDA exclusions may apply.
Public Liability Insurance
Public Liability Insurance protects your business if someone is injured or their property is damaged due to your operations. From slips at your premises to accidents on client sites, this cover shields you from legal and financial consequences.
- Third-party injury on your premises
- Accidental damage to public or client property
- Legal defence & settlement costs
- Liability at off-site events or client locations
- Cover for owned and leased premises
Ideal for retailers, service providers, offices, and any business with foot traffic or on-site client interactions.
Mining & Rehabilitation
We include cover for environmental liability, rehabilitation guarantees, public liability, and equipment risk—designed to support compliance and operational continuity in high-impact mining environments.
Liability Insurance
Our liability insurance solutions include protection for directors, employees, digital assets, products, and third-party claims covering key legal and financial exposures in modern business.
Engineering Insurance
Engineering & Contractors Insurance includes cover for machinery, plant, equipment, project works, installation risks, and third-party damage—supporting businesses through the full project lifecycle.
Commercial Insurance
Our business asset protection includes cover for company vehicles, mobile equipment, stock, and contents—guarding against accidents, theft, weather damage, and civil unrest.
Cyber Liability Insurance safeguards your business from digital threats like data breaches, ransomware, and system failures. It helps cover your losses, protect your clients, and keep you compliant with POPIA.
- Data breach response & forensic investigation
- Ransomware & extortion costs
- Business interruption from cyber incidents
- POPIA fines & legal defence
- Third-party liability for leaked data
Ideal for businesses that store customer data, use cloud platforms, or rely on digital systems.
D&O Liability Insurance protects company directors and officers from personal financial loss if they're held liable for decisions made in their roles. It covers legal defence and damages, helping leaders act confidently in today’s high-risk business environment.
- Mismanagement or breach of fiduciary duty
- Inadequate cybersecurity controls
- Regulatory or shareholder claims
- Wrongful dismissal or discrimination
Ideal for directors, board members, trustees, and senior executives in private or public companies.
Commercial Crime Insurance protects your business from financial losses caused by theft, fraud, or dishonest acts, by employees or outsiders. It covers risks that general insurance often excludes, including both physical and cyber-related crimes.
- Employee theft or embezzlement
- Fraudulent EFT or invoice redirection
- Cyber-enabled social engineering scams
- Forgery of financial instruments
- Theft of stock, cash, or key assets
Ideal for businesses handling cash, payments, payroll, or accessing sensitive financial systems.
Commercial Crime Insurance
Cyber
Liability Insurance
Directors & Officers (D&O) Liability Insurance
Professional Indemnity Insurance protects you against claims of negligence, errors, or omissions in your professional work. Whether a mistake is real or alleged, this cover shields you from legal and financial consequences.
- Negligent advice or incorrect reporting
- Design or calculation errors
- Breach of professional standards or contract terms
- Legal defence costs and settlements
Ideal for consultants, architects, engineers, auditors, attorneys, and other licensed professionals.
Medical Malpractice Insurance protects healthcare professionals from claims of negligence, misdiagnosis, or treatment errors that cause patient harm. It helps cover legal costs and protects your ability to practise with confidence.
- Misdiagnosis or incorrect treatment
- Surgical errors or medication mistakes
- Failure to obtain informed consent
- Alleged negligence in patient care
- Legal costs, settlements & HPCSA proceedings
Ideal for doctors, specialists, nurses, allied health professionals, and private medical practices.
Employers' Liability Insurance protects your business against employee claims for injury, illness, or harm sustained at work, especially when compensation is sought outside of COIDA. It helps manage legal risks and financial fallout from workplace disputes
- Injury claims not covered by COIDA
- Allegations of employer negligence
- Legal defence costs & compensation payouts
- Claims for occupational disease or psychological harm
- Labour court & CCMA-related actions
Ideal for businesses with staff in high-risk roles or where COIDA exclusions may apply.
Public Liability Insurance protects your business if someone is injured or their property is damaged due to your operations. From slips at your premises to accidents on client sites, this cover shields you from legal and financial consequences.
- Third-party injury on your premises
- Accidental damage to public or client property
- Legal defence & settlement costs
- Liability at off-site events or client locations
- Cover for owned and leased premises
Ideal for retailers, service providers, offices, and any business with foot traffic or on-site client interactions.
Professional Indemnity Insurance
Medical Malpractice Insurance
Employers' Liability Insurance
Public Liability Insurance
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Contract Works Insurance
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Insurance
Guarantees
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Plant All Risks Insurance
Covers owned and hired plant against loss or damage—on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
- Yellow metal and mechanical plant (excavators, graders, rollers)
- Theft, vandalism, fire, flood, accidental damage
- Damage during transit
- Hired-in plant with contractual liability
- Optional cover for tools, attachments, operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Contractors All Risks (CAR) Insurance
A bundled solution covering contract works, plant, equipment, and third-party liability in one policy, ideal for contractors who need comprehensive, seamless site protection.
- Damage to works (fire, flood, collapse, storm)
- Theft or damage to construction plant/equipment
- Third-party injury or property damage on-site
- Cover for transit, storage, and on-site execution
- Optional: support structures, debris removal, cross-liability
Ideal for principal contractors, developers, and firms managing multiple site exposures.
Erection All Risks (EAR) Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Machinery Breakdown & Movement Insurance
Covers machinery against sudden breakdowns, faults, and damage, whether in operation, transit, or reinstallation. Protects you from costly repairs, downtime, and operational delays.
- Mechanical, electrical, and operator failure
- Electrical faults, surges, and overloads
- Damage during dismantling, loading, transit, or re-erection
- Repair or replacement of machinery and key components
- Optional business interruption cover
Recommended for manufacturers, workshops, processing plants, and businesses with critical or relocating machinery.
Advance Loss of Profits (ALOP) / Delay in Start-Up (DSU)
Covers lost income and extra costs from project delays after insured damage—keeping your finances stable when construction stalls.
- Loss of projected income from delayed completion
- Ongoing finance charges and debt costs
- Fixed overheads during delays
- Increased start-up costs
- Triggered by claims under CAR or EAR policies
Recommended for developers, plant owners, and PPP/infrastructure projects.
Performance Guarantee
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Insurance
Guarantees
Contract Works Insurance
Protect your site and works in progress from unexpected damage like fire, flood, theft, or accidents, keeping your project on track and your margins safe. Ideal for contractors, developers, and project owners.
- Covers damage to works in progress
- Fire, storm, flood, or collapse losses
- Theft or vandalism of on-site materials
- Third-party damage during construction
- Optional cover for surrounding property and structures
Recommended for contractors, developers, and project owners who carry the construction risk.
Plant All Risks Insurance
Covers owned and hired plant against loss or damage—on-site, in transit, or in storage. Protect your yellow metal from theft, accidents, and breakdowns that stall your operations.
Yellow metal and mechanical plant (excavators, graders, rollers)
Theft, vandalism, fire, flood, accidental damage
Damage during transit
Hired-in plant with contractual liability
Optional cover for tools, attachments, and operator damage
Recommended for contractors, civil engineers, and plant hire companies.
Contractors All Risks (CAR) Insurance
A bundled solution covering contract works, plant, equipment, and third-party liability in one policy, ideal for contractors who need comprehensive, seamless site protection.
- Damage to works (fire, flood, collapse, storm)
- Theft or damage to construction plant/equipment
- Third-party injury or property damage on-site
- Cover for transit, storage, and on-site execution
- Optional: support structures, debris removal, cross-liability
Ideal for principal contractors, developers, and firms managing multiple site exposures.
Erection All Risks (EAR) Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Erection All Risks (EAR) Insurance
Covers the erection, installation, and commissioning of machinery and steel structures, protecting against accidents during transport, lifting, and setup.
- Damage during transport, lifting, erection, or testing
- Fire, theft, collapse, or natural disasters
- Third-party injury or property damage
- Cover for tools, temporary structures, and site materials
- Optional cover for testing and commissioning delays
Recommended for engineering contractors, plant installers, and industrial project managers.
Machinery Breakdown & Movement Insurance
Covers machinery against sudden breakdowns, faults, and damage, whether in operation, transit, or reinstallation. Protects you from costly repairs, downtime, and operational delays.
- Mechanical, electrical, and operator failure
- Electrical faults, surges, and overloads
- Damage during dismantling, loading, transit, or re-erection
- Repair or replacement of machinery and key components
- Optional business interruption cover
Recommended for manufacturers, workshops, processing plants, and businesses with critical or relocating machinery.
Advance Loss of Profits (ALOP) / Delay in Start-Up (DSU)
Covers lost income and extra costs from project delays after insured damage, keeping your finances stable when construction stalls.
- Loss of projected income from delayed completion
- Ongoing finance charges and debt costs
- Fixed overheads during delays
- Increased start-up costs
- Triggered by claims under CAR or EAR policies
Recommended for developers, plant owners, and PPP/infrastructure projects.
Performance Guarantee
A Performance Guarantee (or performance bond) provides financial assurance that a contractor will fulfil their contractual obligations as agreed. If the contractor fails to perform, the guarantee compensates the employer for the resulting loss, helping maintain project timelines and financial certainty.
- Issued on behalf of contractors to project owners
- Covers non-performance or failure to complete
- Typically required under JBCC, FIDIC, GCC contracts
- Can be issued locally or on cross-border projects
- Backed by insurers, not banks - preserving working capital
Ideal for contractors bidding on public or large-scale private sector projects.
Retention Guarantee
A Retention Guarantee replaces the employer’s right to withhold retention money from progress payments during a construction contract. It allows the contractor to receive full payment while still providing financial protection to the employer in case of defects or non-completion.
- Replaces the 5–10% cash retention holdbacks
- Ensures liquidity and improved contractor cashflow
- Provides the employer with recourse for defective work
- Common in large infrastructure and engineering contracts
- Can be structured per contract or per client portfolio
Ideal for contractors with strong track records needing better cashflow management.
Cyber Liability Insurance safeguards your business from digital threats like data breaches, ransomware, and system failures. It helps cover your losses, protect your clients, and keep you compliant with POPIA.
- Data breach response & forensic investigation
- Ransomware & extortion costs
- Business interruption from cyber incidents
- POPIA fines & legal defence
- Third-party liability for leaked data
Ideal for businesses that store customer data, use cloud platforms, or rely on digital systems.
D&O Liability Insurance protects company directors and officers from personal financial loss if they're held liable for decisions made in their roles. It covers legal defence and damages, helping leaders act confidently in today’s high-risk business environment.
- Mismanagement or breach of fiduciary duty
- Inadequate cybersecurity controls
- Regulatory or shareholder claims
- Wrongful dismissal or discrimination
Ideal for directors, board members, trustees, and senior executives in private or public companies.
Commercial Crime Insurance protects your business from financial losses caused by theft, fraud, or dishonest acts, by employees or outsiders. It covers risks that general insurance often excludes, including both physical and cyber-related crimes.
- Employee theft or embezzlement
- Fraudulent EFT or invoice redirection
- Cyber-enabled social engineering scams
- Forgery of financial instruments
- Theft of stock, cash, or key assets
Ideal for businesses handling cash, payments, payroll, or accessing sensitive financial systems.
Professional Indemnity Insurance protects you against claims of negligence, errors, or omissions in your professional work. Whether a mistake is real or alleged, this cover shields you from legal and financial consequences.
- Negligent advice or incorrect reporting
- Design or calculation errors
- Breach of professional standards or contract terms
- Lgal defence costs and settlements
Ideal for cconsultants, architects, engineers, auditors, attorneys, and other licensed professionals.
Medical Malpractice Insurance protects healthcare professionals from claims of negligence, misdiagnosis, or treatment errors that cause patient harm. It helps cover legal costs and protects your ability to practise with confidence.
- Misdiagnosis or incorrect treatment
- Surgical errors or medication mistakes
- Failure to obtain informed consent
- Alleged negligence in patient care
- Legal costs, settlements & HPCSA proceedings
Ideal for doctors, specialists, nurses, allied health professionals, and private medical practices.
Employers' Liability Insurance protects your business against employee claims for injury, illness, or harm sustained at work, especially when compensation is sought outside of COIDA. It helps manage legal risks and financial fallout from workplace disputes.
- Injury claims not covered by COIDA
- Allegations of employer negligence
- Legal defence costs & compensation payouts
- Claims for occupational disease or psychological harm
- Labour court & CCMA-related actions
Ideal for businesses with staff in high-risk roles or where COIDA exclusions may apply.
Public Liability Insurance protects your business if someone is injured or their property is damaged due to your operations. From slips at your premises to accidents on client sites, this cover shields you from legal and financial consequences.
- Third-party injury on your premises
- Accidental damage to public or client property
- Legal defence & settlement costs
- Liability at off-site events or client locations
- Cover for owned and leased premises
Ideal for retailers, service providers, offices, and any business with foot traffic or on-site client interactions.
Important Notice
The insurance products described on this page are subject to the specific terms, conditions, exclusions, and limits outlined in each individual policy wording. Cover is not automatic and depends on the nature of the risk, the information disclosed, and the insurer’s underwriting criteria.
This page is intended to provide general guidance only and does not constitute financial advice or a binding offer of insurance. For full details on applicable cover, claim requirements, and eligibility, please speak to one of our licensed advisors or request a copy of the relevant policy wording.

Odiglo (Pty) Ltd is an authorised Financial Services Provider (FSP No. 44274).
Curious About What Our Clients Have To Say?
After refuelling, complaints revealed water in an underground tank had affected several customers' vehicles. Odiglo handled the claim, directing all third-party demands to the insurer’s legal team, allowing us to continue serving customers while liability was managed through a documented process
Lebo W. – Risk Manager, Transport & Logistics Company
6 months ago
Jason R. – Head of Governance, Property Development
1 month ago
Our primary area of risk was not related to equipment, but rather to decision-making. Odiglo arranged Directors & Officers (D&O) coverage that is consistent with our indemnities and governance framework, ensuring we are protected against allegations, investigations, and associated defence costs.
After an on-site accident led to a negligence claim, Odiglo coordinated with our insurer’s legal team and helped compile necessary documents. The evidence showed we acted appropriately, resulting in a dismissed allegation. The process was handled professionally, supporting our team and allowing us to focus on recovery.
Busisiwe L. – Site Manager, Engineering Firm
3 months ago
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