WHAT WE DEAL IN:

General insurance products of every kind. We also issue tailor-made policies that would suit the needs of every customer and every circumstance. Products that we offer are:

  • Contractor's all risks
  • Bonds
  • And many more ...

INSURANCE PRODUCT DESCRIPTIONS:
 
FIRE, ALLIED AND SPECIAL PERILS:


A basic fire cover covers:

  • Fire
  • Lightning
  • Explosion as a result of bursting of domestic gas cylinders.

The policy can however be extended to include damage resulting from other perils such as malicious damage, explosion, bush fire, earthquake, riots, strikes and civil commotion, damage from hurricanes, snow, tornadoes, windstorms, hailstorms, cyclones, floods, burst pipes/tanks and even objects falling from over-flying airplanes.

BURGLARY:

This policy covers the insured against loss or damage following forcible theft or housebreaking into or out of the premises or any attempt there at.



MONEY:

The policy covers the insured for loss of money (as specified in the policy), while on transit to or from the bank or in the insured’s premises through robbery or hold up. It also covers damage to safes and / or strong rooms.



FIDELITY GUARANTEE:

A fidelity guarantee policy indemnifies the employer against all direct pecuniary loss, which the employer may sustain by any act of fraud or dishonesty committed by any insured employee.



CONSEQUENTIAL LOSS:

A fire consequential loss policy will indemnify the insured for loss of earnings in the form profits following fire to the business premises. The policy can also include standing and variable expenses relevant for the continuation of business.



PRODUCT LIABILITY:

Product liability Insurance indemnifies the insured against all sums which the insured becomes legally liable to pay in respect of accidental bodily injury or illness to third parties, and accidental loss of or damage to third party property, arising out of the use, misuse, consumption, or handling of insured products or goods.



PUBLIC LIABILITY:

The insurer will pay the insured’s liability for damages and legal expenses arising from personal injury or damage to third party property arising from the insured’s business or occupation.



PERSONAL ACCIDENT / GROUP PERSONAL ACCIDENT:

The policy provides financial security for bodily injury or death caused by violent, accidental, external and visible means resulting in death or disablement or expenses as described in the policy.



MARINE CARGO:

This policy covers the risk of loss of goods while in transit at sea by air or inland.



WORKMEN's COMPENSATION:

The policy compensates the insured against any liability from death, bodily injury or disease suffered by an employee in the course of employment.



MOTOR:


The law requires that all vehicles on public roads must have an insurance or security against liability for bodily injury to third parties.

There are 3 types of covers here. The various scopes of cover available under each of them are as follows:

COMPREHENSIVE:

This covers the insured for: -

  • Damage to his motor vehicle in the event of an accident
  • Theft of the vehicle or any parts thereof
  • Damage to the vehicle by fire
  • Third party property damage
  • Third party bodily injury

THIRD PARTY, FIRE AND THEFT

This covers the insured for: -

  • Damage to the vehicle by fire
  • Theft of the motor vehicle or any part thereof
  • Third party property damage
  • Third party bodily injury
  • Damage to the vehicle as a result of an accident is excluded

THIRD PARTY ONLY

This is the minimum cover on offer for motor vehicle insurance and includes the following:

  • Third party property damage and
  • Third party bodily injury
  • All other forms of damages to the insured’s vehicle are excluded


DOMESTIC PACKAGE:


This is an attractive package for homeowners and householders. It is a comprehensive policy, which gives the policyholder the benefit of 6 policies in a single package.

BUILDINGS

This covers the insureds house and contents against damage by fire and allied perils.

CONTENTS

Covers the insureds household contents against damage by fire and allied perils as
well as burglary.

ALL RISKS

Covers the insureds valuables / personal effects and movable items against the risks of fire, theft and/or burglary and accidental damage.

OWNER'S LIABILITY

Covers the insured against liability at law to pay compensation in respect of accidental bodily injury (including illness) to any person other than a member of the insureds family or household or a person in his service at the time of the occurrence-giving rise to the injury. It also covers accidental loss or damage to property not belonging to or in the custody or control of the insured or a member of his family or household or a person in his service.

The loss must occur on or about the premises.

OCCUPIER'S AND PERSONAL LIABILITY

Covers the insured for his liabilities to members of the public with access to the
premises.