This package that offers wider cover for financial institutions for Money, Fidelity Guarantee and Professional Indemnity insurance.

This section provides cover against loss of turnover, standing charges and continuing costs as a result of an interruption to the business following damage by an insured peril. This is also known as loss of profits policy and cover is also put in place to protect shareholders funds.

CAR policy insures damage to any contract works including construction plant and equipment, third party property, surrounding property etc. The policy can be extended to insure the maintenance period in addition to the actual construction period.

This is a specialist cover taken by the insured to protect against financial losses incurred as a result of the insured’s clients’ failure to pay for goods supplied to them on credit due to their death or becoming disabled. It is the insurance on a debtor in favor of a lender intended.

This form of cover is needed for businesses where physical work rather than products are involved such as a vehicle or machinery repairer. For example, if a component is put back wrongly onto a vehicle or machinery and an accident results then the policy would cover for the caused damaged.

Policy covers deterioration of stock caused by either accidental breakdown of refrigeration machinery covered under your machinery breakdown policy or power supply failure, where either of the two cause increases or decreases of temperature at the refrigerated storage chamber where the stock is kept. Cover also extends to overall costs incurred in reducing or preventing further deterioration.

This covers Legal liability assumed by Directors or Officers of the company emanating from their business conduct. Should the insured suffer financial loss or damage or cause the same to other stakeholders due to decisions made by a Director or Officer, the stakeholders are entitled to sue the person responsible to the extent of the damages.

Policy insures damage to electronic equipment, damage to Insured’s inputted data and records and costs incurred to retrieve and recover lost data and records. Policy provides cover for; Repair or replacement of electronic equipment arising from sudden and unforeseen physical loss or damage, Cost of reconstruction of external data and Claims preparation costs.

This is a policy that covers that organization from litigation by its employees where the employer has failed to provide a safe working environment resulting in bodily injury or death.

Policy provides cover for unexpected and unintended the Insured is obligated to pay caused by pollution, for on site cleanup costs, physical bodily injury, sickness, disease, mental anguish or emotional distress and damage to property.

Policy covers organizations against loss of money or property due to fraud or dishonestly of an employee.

This covers organizations against litigation by other parties as a result of their operations i.e. damage of other people’s property emanating from your operations.

Cover is for goods that are loaded onto any type of vehicle for the purpose of being transported from one point to another.

Cover is for compensation for accidental bodily injury or death of an organization’s employees arising from accidents caused by violent, external and visible means on a 24-hour basis. Benefits are payable for Death, Permanent Disability, Temporary Total Disablement and Medical expenses.

Cover sudden and unforeseen physical loss or damage necessitating repairs or replacement due to causes such as defects in casting and materials, faulty design faults at workshop or in erection, bad workmanship, lack of skills, carelessness, or any other causes not specifically excluded. We also cover loss of profits following a machinery breakdown loss. Loss of income as a result of damage to machinery causing an interruption of business can also be covered as an extension.

Cover is for any vessel that floats and moves, from a simple rowing boat to an ultra large tanker. We also provide insurance cover for Pleasure Craft and Yacht. Cover is for own damage and third party liabilities.

Policy insures money in the course of transit or while it is kept in the office safes. This policy is useful for commercial organizations.

Policy covers an organization’s various types of vehicles. The vehicles covered are private vehicles commercial vehicles trucks trailers motor cycles and buses. Cover is available from basic Full Third Party, Full Third Party Fire & Theft and Comprehensive cover.

This policy provides cover in respect of various vehicles that are in custody and control of the Motor Trader which are undergoing repairs, servicing or are for sale.

Provides cover against damage to plant whilst at work or at rest and/or during installation, erection or dismantling and liabilities resulting there from.

Policy covers legal liability against you due to injury or damage caused by a product made by or sold by you.

This is so named because it acts as an umbrella, as it combines several other classes, or sub-classes within a specified class (for example Motor Third Party Liabilities, Public and Employers Liability policy). This is done to provide tailor-made covers which provide extra protection against several liability exposures encountered during the course of business operations. This cover may be taken to kick in after some existing specific covers in place have been exhausted or taken right from the onset. It’s a cheaper way of purchasing higher limits of liability insurance.

Policy insures legal liability towards third party in the event of any third party bodily injury or property damage arising from professional negligence of the insured. The policy includes insured’s defence costs and expenses. This policy is useful for professionals such as architects, engineers, lawyers, doctors, consultants, etc.