This package includes the following covers:
House owners: - It covers buildings, fixtures and fittings and all outbuildings against fire, storm, floods, impact, non political riot strike
Householders: - It covers goods and personal effects which belong to the insured where such loss or damage occurs in the insured's dwelling house.
All Risks: - It covers loss or damage to articles which are normally worn or carried on the person e.g. clothes, laptops e.t.c.
Business Plan
It provides cover to small and medium size business for all types of property other than that used for private or domestic purposes.
Assets All Risks
This Type of Policy provides cover to large organisations with sizeable asset bases against loss of or damage to property caused by fire and allied perils such as lightning / storm damage, earthquake, explosion, aircraft, non political riot strike, floods, burst pipes impact by vehicles or animals.
Accounts Receivable
It covers resultant loss or damage to records of customer accounts resulting in the inability to trace or establish outstanding balances.
Money
It Covers loss of Cash or Cheques in transit, at director's residence after hours, on the premises after hours or during working hours, in safe / strong room after hours.
Burglary / Theft
It covers theft of contents from premises following forcible and violent entry to or exit from the premises and damage resulting from such theft or attempted theft.
Glass
It covers accidental breakage of internal and external glass, lettering or ornamental.
Goods in Transit
It covers accidental loss or damage to goods whilst in transit by road, rail, sea or air.
Consequential Loss / Loss of Profits
It covers Loss or reduction in Gross Profit consequent upon interference or interruption to the Business caused by any of the risks covered under the Business Protection or Assets All Risks Policy
Fidelity Guarantee
It covers the insured against loss of money or any other financial loss caused by the dishonesty of employees.
Group Personal Accident
This Policy provides the Insured with 24 hour cover against accidental death or Injury to your employees caused by violent, visible and external means.
Public Liability
It covers legal liability claims which may be brought against the insured by the public in respect of accidental death or injury and accidental physical damage to property.
Employers Liability
It covers legal liability claims which may be brought against the insured in respect of accidental death or injury or illness to an employee arising out of or in the course of employment.
Professional Indemnity
It provides cover for professional firms such as solicitors, doctors, architects and accountants against loss or damage suffered as a result of professional negligence.
Products Liability
It covers the insured's legal liabilities for death of or injury to a customer caused by a faulty product and also any damage to customer's property.