Personal Liability & Specialized Cover

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Personal Liability & Specialized Cover

1Personal Liability Insurance

Covers legal costs and compensation if you accidentally injure someone or damage their property. This is essential for protecting your personal finances from lawsuits.

2Legal Expense Insurance

Helps cover the cost of legal representation for civil or labor disputes, including lawyer’s fees and court costs.

3Personal Accident Insurance

Pays out if you are injured, disabled, or die due to an accident. Ideal for day-to-day protection at home, work, or on the road.

4Watercraft Insurance

Covers small boats, jet skis, and personal watercraft against damage, theft, and third-party liability. Relevant for recreational users on Botswana’s rivers and dams.

5Golfers Insurance (Hole-in-One Cover)

Reimburses costs if you achieve a hole-in-one during a tournament - covering the celebratory round, as is customary in golfing culture.

6Domestic Worker’s Compensation

Covers your domestic employee (e.g., housekeeper, gardener) against work-related injury or death, in line with Botswana’s Workers’ Compensation Act obligations.