Public Liability insurance for South African businesses

Protect your business against third-party injury, property damage, and costly legal claims

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Tailored cover Built around your business

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What is Public Liability insurance?

Public liability insurance protects your business if a third party suffers injury or property damage as a result of your business activities.
Whether you run a spaza shop, restaurant, salon, construction business, or consultancy — your business interacts with people daily. That interaction creates risk.
If someone is injured on your premises, or if your business causes damage to someone else’s property, you could be held legally and financially responsible.

What is covered

Cover is tailored to your business and may include:

Injury to customers, clients, or members of the public
Damage to third-party property
Legal defence costs
Compensation or settlement payments
Claims arising from your business operations

What is NOT Covered

Coverage depends on the selected products and limits. Certain exclusions may apply to:

Employee injuries (covered under separate policies)
Intentional damage or negligence beyond scope
Professional advice errors (covered under professional indemnity)

Who needs this cover?

This solution is ideal for businesses seeking broader protection under one structure. Common industries include:

Salons & Wellness Businesses

Spaza Shops & Township Retailers

Event Organisers

Consultants working on client sites

Contractors and tradespeople

Restaurants, cafés, and hospitality businesses

A Real Life Scenario 🇿🇦

A retail business experiences a break-in that results in stolen stock, damage to the premises, and several weeks of operational disruption. At the same time, a customer lodges a liability claim relating to an incident that occurred before the closure.

Without Insurance

You pay legal fees
Potential settlement costs
You deal with reputational damage.

With Entresure

Legal costs and claims are covered
Business continues operating
You focus on your customers

Why is this cover critical?

South African businesses face unique risks

High foot traffic environments
Informal retail setups
Limited legal buffers for SMEs
Increasing awareness of consumer rights

One claim can result in

Legal costs that exceed your monthly revenue
Business disruption
Loss of customer trust

Public Liability vs Professional Indemnity

If your business does both, you may need both.

This Cover

Public Liability insurance

Covers physical injury or property damage to third parties.

Professional Indemnity

Covers financial loss due to advice, services, or errors.

How much Public Liability insurance do you need?

The level of cover depends on:

Your Industry
Your exposure to the public
The size of your operations

Why choose Entresure for this cover?

We focus on what actually matters: protecting your business where it’s exposed.

Tailor-made cover based on your business
Built for South African SMEs and risk realities

Frequently Asked Questions

Why do I need business insurance?

Because of this and that

Is public liability insurance required by law in South Africa?

No, but many clients, landlords, and contracts require it.

Entresure (Pty) Ltd is a licensed Financial Services Provider | FSP 51464

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