Cover for your vehicle and the people you share the road with
Liability Takaful protects you when someone holds you legally responsible for injury, damage or financial loss. It can meet the compensation you are liable to pay and the defence costs agreed with Kalkaal. Cover is available for liability to the public and to visitors, to employees, for products you make or sell, for professional advice, for building work, and for the decisions of directors and officers. Workers' Compensation Takaful helps employers meet what they owe to employees injured at work.
Participants share these risks through a fund built on Tabarru' contributions, which Kalkaal manages as Takaful operator for a disclosed Wakala fee.
To get started, send an enquiry. A Kalkaal advisor explains the cover, exclusions and contribution before you decide.
Why this cover
- Compensation and agreed defence costs when you are held legally responsible
- Cover for liability to the public, employees, clients and customers, and for directors
- A schedule you can show when a contract, client or tender asks for liability cover
- Protects your business's cash and assets from the cost of a large claim
Your contribution What you pay for your cover. Part of it is Tabarru’ to the shared fund.Glossary goes into a shared fund that pays eligible claims; Kalkaal manages the fund for a disclosed Wakala Agency: participants appoint Kalkaal to manage the fund for an agreed fee, disclosed in your quotation and schedule.Glossary fee.
Cover options
Public Liability Takaful
Covers your liability for injury to members of the public or damage to their property arising from your business activities.
Professional Indemnity Takaful
Covers claims alleging negligence, error or omission in your professional services. Cover is written on a claims-made basis.
Builders' Liability Takaful
Covers builders and contractors for injury or damage to third parties caused by their building work.
Employers' Liability Takaful
Covers your liability to employees for injury or disease arising from their work, where you are found legally responsible.
Workers' Compensation Takaful
Covers the compensation employees are entitled to for injury at work under the applicable law or employment terms, as stated in your schedule.
Occupiers' Liability Takaful
Covers owners and occupiers of premises for injury to visitors, or damage to their property, while on the premises.
Directors and Officers Takaful
Covers directors and officers for claims alleging wrongful acts in managing the organisation, including defence costs.
Product Liability Takaful
Covers your liability for injury or damage caused by products you make, sell, import or supply.
What’s covered
- Claims for injury to members of the public or visitors, or damage to their property
- Claims by employees for injury or disease arising from their work
- Compensation owed to employees injured at work, under Workers' Compensation Takaful
- Claims alleging negligence, error or omission in your professional services
- Injury or damage caused by products you make, sell or supply
- Claims against directors and officers for wrongful acts in their roles
- Legal defence costs incurred with Kalkaal's written agreement
Not covered and conditions
- Deliberate or criminal acts, and fines and penalties
- Liability you accept under a contract that you would not otherwise have
- Damage to property in your care, custody or control
- Gradual pollution and contamination
- The cost of recalling, repairing or replacing your own product or work
- Professional claims first made outside the period of cover, under claims-made terms
- Full exclusions, waiting periods and deductibles are set out in your quotation and policy wording.
ClaimsHow claims work
How to claim
- Help anyone injured and make the area safe.
- Write down what happened, note the names of witnesses and take photographs.
- Do not admit liability, offer payment or negotiate with the person claiming.
- Send Kalkaal every letter, demand or court paper as soon as you receive it, without replying.
- Notify Kalkaal of any incident that may lead to a claim within the period stated in your schedule.
Documents you will usually need
- Completed claim form
- The claim letter, demand or court papers you received
- Your account of what happened, with the names of any witnesses
- Incident report, and the employee's records, for claims by employees
- Medical reports, where someone was injured
- Contracts, advice and records relating to a professional claim
- Photographs of the scene or the damage
What you’ll need for a quote
- Business registration or professional licence
- A description of your activities, premises, and the services or products you provide
- Annual turnover or fee income
- Number of employees and their total wages, by type of work
- Details of past claims or complaints made against you
- Your standard contracts or terms of business, for professional and product cover
- Names of directors and recent financial statements, for directors and officers cover
FAQs
What does 'claims-made' mean for Professional Indemnity Takaful?
Professional Indemnity Takaful is written on a claims-made basis. It covers claims first made against you, and reported to Kalkaal, during the period of cover, even if the work was done earlier, subject to any retroactive date in your schedule. Claims made after cover ends are not covered, so keeping cover in place without a gap matters.
What is the difference between Employers' Liability and Workers' Compensation Takaful?
Employers' Liability Takaful covers you when an employee claims that you were legally responsible for their injury or disease at work. Workers' Compensation Takaful covers the compensation employees are entitled to for injury at work under the applicable law or employment terms, without needing to prove fault. A Kalkaal advisor can explain which your business needs.
Do I need Public Liability, Product Liability or both?
Public Liability covers injury or damage caused by your premises and activities, such as a visitor slipping in your shop. Product Liability covers injury or damage caused by products you make, sell or supply after they leave your hands. Businesses that serve customers on their premises and also supply goods often need both.
You may also need
Medical cover for your family and your workforce
Cover for your cargo, your vessels and your port operations
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