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Smart Liability Cover for everyday business risks

SureThing – Liability Insurance for SMEs

Affinitoo offers iTOO’s Legal Liability Insurance Product – simple, all-round, and affordable liability protection for South African SMEs.

That’s why iTOO created SureThing: an all-in-one, all-risk liability insurance solution designed specifically for small businesses like yours.

SureThing offers affordable, straightforward cover that reflects the realities you face today, while preparing you for whatever tomorrow may bring. It is not just about ticking a box; it is about giving you confidence, clarity, and support when you need it most.

From guidance on privacy law inquiries to support with workplace disputes and operational risks, SureThing provides the cover you need so you can focus on running your business with confidence.

If your business has an annual revenue or fee income under R20 million and 20 or fewer employees, this policy is designed to give you the protection and peace of mind you deserve.

What's Included

Unlike most policies, SureThing brings everything together under one comprehensive trigger. That means third-party injury or damage claims—including those linked to cyber incidents, D&O, or professional liability are covered, helping you avoid costly gaps in protection.

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

Cover Information

  • Turnover, revenue or fees must be less than R20m, and your business must have 20 employees or fewer.​
  • Your business must be based in South Africa and looking only to insure South African operations.​
  • Your business must consist of a single entity (no subsidiaries).​
  • Your business should be solvent.​
  • Your business should have policies and processes in place for treating employees fairly and consistently.​
  • No retrenchments should be planned for the next 12 months.​
  • No financial concerns have been raised.​
  • The directors and management must not have been the subject of any past/pending regulatory enquiry or investigation or have been dismissed or disqualified.​
  • First-party losses: direct financial loss and loss of business income suffered by the business itself.​
  • Trading losses, theft of funds, electronic fund transactions.​
  • Product failure and product recall.​
  • Fines, penalties and punitive damages.​
  • Insolvency.​
  • Medical treatment.​
  • Defective work that can be remedied by simply redoing the work. ​
  • Investment advice or performance.​
  • Sexual harassment, abuse and misconduct.​
  • Racism and hate speech.​
  • Loss of value of securities.​
  • Pirated Software. ​
  • Trading losses and monetary transactions.​
  • Healthcare Practioners for their Medical Malpractice cover​
  • Financial advisors and insurance brokers. ​

SureThing Pricing Options

SureThing

Standard Policy
R 1 000 Monthly
  • R2.5 million cover per individual claim, with an annual aggregate limit of R5 million (excess of R10,000 per claim).

SureThing Lite

Lower premiums & claim limits
R 450 Monthly
  • R1 million cover per individual claim, with an annual aggregate limit of R2 million (excess of R5,000 per claim).

SureThing Max

* In addition to standard SureThing premium
R 1 850 Monthly
  • For an additional R850 per month you will receive extended liability cover of R20 million, in addition to the Standard SureThing policy

Contact us for more information

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