In an increasingly regulated and litigious country, South African SMME’s risks are no longer isolated to intent or competence but are a consequence of responsibility. For tradesmen, having all-encompassing third-party liability is no longer an option, it’s imperative because: Modern trade works on other people’s balance sheets. Tradesmen rarely work in isolation. You work: on client premises; on systems you didn’t design;  alongside other contractors; under time and cost pres