FSP Licence No: 53069

  • 010 500 6063
  • info@affinitoo.co.za
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The only SME-specific third-party legal liability policy in South Africa.

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Get All the Cover Your Small Business Needs

Small businesses have a lot of risks to manage... no matter which way you turn, it's precarious out there.

But there's one way to stay in the clear - SA's first and only all-inclusive, all-risk legal liability policy. With everything you need packed neatly into one neat package, you can rest assured you've got full coverage.

You have complete protection against any third-party legal liabilities. So if the law comes knocking, you know you've got your back covered with SA's leading liability policy.

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Surething
Your Go-To Solution for most businesses

Plumbers

Electricians

Retail or Shop Owners

Product Distributors and Suppliers

Cleaning Companies

Bed and Breakfasts

Restaurants, Bakeries, and Coffee Shops

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Online Distributors

Small-Scale Professional Firms and Service Providers

Hairdressers

Coaching Clinics and Individual Sport Coaches

Yoga and Pilates Instructors and Gyms

Appliance Repairers

Construction Companies

Gardening Services

Car Washes

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Delivery Services

and Other similar Industries

R450 per month for up to

Million rand in cover!
0

R1000 per month for up to

Million rand in cover!
0

What does Surething
cover at a glance

Unique to the SureThing, is that it includes POPIA regulatory enquiry legal costs including legal assistance with notifications and legal costs for workplace vaccine disputes, and legal representation costs for the contravention of any law related to the conduct of the business. Simply put, regardless of the nature of the third-party claim alleging a legal liability, the policy covers legal costs to defend the claim and pays up to the limits for legal liability.

Not only that, but because SureThing groups different types of cover under one end-to-end legal liability trigger, injury and damage (including pollution) third party claims are covered even if caused by a Cyber incident, Directors and Officers liability or Professional Indemnity liability. Typically, these exclude bodily injury and property damage, often leading to gaps in cover.

  • Public Liability
  • Product Liability
  • Defective workmanship
  • Care, custody, and control
  • Defamation
  • Pollution
  • Employment Practices liability
  • Excess Motor liability
  • Trustee liability
  • Employers liability
  • Cyber liability
  • Directors & Officers liability
  • Professional Indemnity liability

Cover Informmation

  • There is a R 2,5 million limit on individual claims, with an annual aggregate cap of R 5 million.
  • Statutory defence costs and legal representation costs for regulatory enquiries, including POPIA, and workplace vaccine disputes are limited to R 250 000 for each claim and R1 million in the annual aggregate.
  • Excess: R 10 000
  • Premium: R 1 000 a month = R 12 000 annual premium.
  • Turnover, revenue or fees must be less than R20m, and the business must have 20 employees or less.
  • The business must be based in South Africa and looking only to insure South African operations.
  • The business must consist of a single entity (no subsidiaries).
  • The business should not process more than 100 000 personally identifiable records or unique debit or credit cards.
  • There must be security, such as:
    • Security patches and updates.
    • Passwords that are changed regularly and are not easy to guess.
    • Firewalls on a company network that restrict access to sensitive data.
  • The business should be solvent: The directors and management must not have been the subject of any past/pending regulatory enquiry or investigation or have been dismissed or disqualified.
  • Any audit reports must be unqualified and not have adverse findings.
  • No retrenchments should be planned for the next 12 months.
  • The business should have an internal or outsourced HR function.
  • First-party losses: Direct financial loss and loss of business income suffered by the business itself.
  • Product failure and product recall.
  • Fines, penalties and punitive damages.
  • Insolvency.
  • Investment advice or performance.
  • Sexual harassment, abuse and misconduct.
  • Racism and hate speech.
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About ITOO

SA’s first and only all-in-one, all-risk third-party legal liability policy for small businesses. All the cover you need, all wrapped up in one.

Get advice from our experts

  • Don't get tangled up in liability insurance red tape. Let a professional consultant help you find the policy that fits your business like a glove.
  • Our consultants bring a wealth of experience and are well-equipped to address your inquiries. They are dedicated to providing insightful guidance, ensuring you make informed decisions with confidence.
  • No matter what kind of protection your business needs, contact us today for a free consultation and get the peace of mind that comes with insured protection.

Get a Free Liability Insurance Consultation Today!

Frequently asked questions

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Yes, but the third party liability portion only. Business interruption and forensic costs are not included. Claims for third party data loss and breach of privacy are covered.

es, but the third party liability portion only. Business interruption and forensic costs are not included. Claims for third party data loss and breach of privacy are covered.

Yes

Legal representation costs for a dispute are covered up to the sub-limit of R250 000.

The policy will provide the costs for legal representation to assist, up to the sub-limit of R250 000.

This policy auto renews each year at the same policy terms and conditions, unless there is a claim, or the business no longer falls within the criteria and does not qualify for the policy. An inflationary increase in premium may be applied on 30 days’ notice.

The SureThing policy does not cover business debts. It covers legal liability arising from a wrongful act on the part of the business – not debts incurred as part of commercial transactions.

SureThing does not cover the business’s own loss, or first-party loss. It only covers liability to third parties arising from a wrongful act.

Commercial crime and staff theft are considered first-party losses suffered by the business, not a third-party liability. As such, this policy does not cover these.

If your product does not do what it is supposed to or fails, and a pure financial loss is caused, there is no cover. Product Recall is also not covered.

Yes, up to the sub-limit of R250 000, provided the enquiry or hearing arises directly out of the conduct of the business.

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Affinitoo is your dedicated partner in navigating the complex world of specialised insurance solutions. In collaboration with iTOO, we offer a unique range of niche insurance products designed to meet the specific needs of businesses and individuals alike.

From third-party legal liability to customised coverage for unique risks, our mission is to provide unparalleled protection and peace of mind with iTOO’s specialised offerings. Experience the ease of securing your future with expertly tailored insurance solutions

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  • 22 Oxford Road, Parktown, Johannesburg Gauteng, South Africa
  • 010 500 6063
  • info@affinitoo.co.za
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Services
Legal
Hollard

Underwritten by The Hollard Insurance Company Limited (Reg. No. 1952/003004/06),
a Licensed Non-Life Insurer and an authorised Financial Services Provider

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ITOO Special Risks (Pty) Ltd,
Reg. No. 2016/281463/07, is an authorised Financial Services
Provider, FSP No. 47230

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ABOUT ITOO

We believe understanding our customers, their business and individual needs, is what really sets us apart, sharpens our expertise and broadens our service offering.
 
We’re a special risks insurance provider, operating as Hollard’s preferred underwriter of specialty products.
 
We see iTOO as a niche home for entrepreneurs, start-ups and specialist UMAs.
 
We partner with over 650 brokers countrywide and are always available nationwide and in selected African regions 24/7/365.
 
We’re experts in what we do, so you can be an expert in what you do.
 
We have the technical expertise in every sphere of our insurance offering and are passionate about finding a way to solve any and every problem.
 
As a future-focussed business, we are continuously researching new developments to deliver the very best specialist products that our customers’ complex and growing businesses need.
 
Our people are our experts. We are driven by a high performance specialist team, leaders in their individual fields. At iTOO we are always ready to engage and understand so we can do more, make it work and find a way on time, every time.
 
We are riddle solvers, planners, guardians, expert thinkers, industry leaders and get-stuck-in-doers. We are always ready to help because we’ve planned ahead of every eventuality. That’s the iTOO difference.
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