🛡️ Contractors Liability Insurance
Complete Protection for Peace of Mind - Every ServiceLink SA professional carries comprehensive liability insurance, ensuring you're covered against unexpected incidents during your projects. Your security is our priority.
Why Contractor Insurance Is Non-Negotiable
Hiring an uninsured contractor puts your property and finances at risk. ServiceLink SA ensures every professional maintains verified insurance coverage, giving you complete peace of mind. This isn't just paperwork—it's your financial protection against accidents, damages, and liability claims.
📋 Comprehensive Coverage Breakdown
Our insurance policies cover multiple scenarios to protect you from unexpected costs:
Property Damage Protection
Covers accidental damage to your home, fixtures, or belongings during service work.
Bodily Injury Liability
Medical expenses if anyone is injured on your property during project execution.
Legal Defense Coverage
Legal fees and liability claims related to service incidents or disputes.
Insurance Coverage Comparison
| Risk Scenario | With ServiceLink Insurance | Without Insurance |
|---|---|---|
| Accidental water damage during plumbing | ✅ Fully covered - $0 cost to you | ❌ You pay all repair costs |
| Contractor injury on your property | ✅ Medical costs covered by insurance | ❌ You're liable for medical bills |
| Neighbor's property accidentally damaged | ✅ Insurance handles claims & repairs | ❌ You're responsible for damages |
| Workmanship defect discovered later | ✅ 12-month warranty through insurance | ❌ No recourse after payment |
✅ Mandatory Insurance Requirements
To maintain their ServiceLink SA profile, all contractors must meet these insurance standards:
Public Liability Insurance
- Minimum R1,000,000 coverage per incident
- Must be current and valid
- Certificate must name ServiceLink SA as certificate holder
Tools & Equipment Coverage
- Protects contractor tools on your property
- Covers theft, damage, or loss
- Ensures project continuity
Workmanship Warranty
- 12-month guarantee on all work
- Coverage for defects and poor workmanship
- Backed by insurance policy
Insurance Coverage Levels
R1 Million
Standard coverage for small projects and minor renovations
R2.5 Million
Recommended for medium projects and structural work
R5 Million+
Required for large projects, commercial work, and high-risk jobs
🔍 Our 3-Step Insurance Verification
We don't just take their word for it—every contractor's insurance is rigorously verified:
Initial Documentation Review
Original certificates checked with insurance providers
Quarterly Policy Audits
Regular checks ensure policies remain active and valid
Continuous Monitoring
Automated alerts for upcoming expiries or changes
Verification Status Indicators
🚨 Simple Claims Process
If something goes wrong, we make the claims process straightforward and stress-free:
Step 1: Immediate Notification
Contact us within 24 hours of the incident at 073 138 4726
Step 2: Document Everything
Take photos/videos, gather witness details, preserve evidence
Step 3: We Handle the Paperwork
Our team liaises with insurers and manages all documentation
Step 4: Resolution & Follow-up
Regular updates until complete resolution and satisfaction
Typical Claims Timeline
📖 Real Insurance Claim Examples
Scenario: Pipe burst during bathroom renovation, damaging adjacent room
Outcome: Insurance covered all repairs - homeowner paid R0
Scenario: Faulty wiring caused appliance damage 3 months post-installation
Outcome: Covered under workmanship warranty - full replacement
Scenario: Contractor slipped, required medical treatment
Outcome: Medical expenses fully covered by insurance
Related Resources & Support
📄 Insurance Documentation
Certificate of Insurance
Available upon request for all contractors
Policy Wording
Full policy details available for review
🛡️ Book With Complete Confidence
Don't risk your property or finances. Every ServiceLink SA contractor is verified, insured, and backed by our guarantee. Experience peace of mind on every project.