Fire & Special Perils Insurance
This policy covers loss or damage to property resulting from fire, lightening,
explosion, and other special perils such as impact from malicious damage,
earthquake, flood, bush fire, etc.
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Business Interruption
This policy covers loss of gross profit/earnings, wages, increased cost of workings,
and additional increased cost of workings incurred by the insured resulting from
interruption or interference brought about by the occurrence of events such as fire,
machinery breakdown, etc.
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Burglary Insurance
The policy covers for loss or damage to property resulting from forcible and violent
breaking into or out of the premises or any attempt thereat.
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Fidelity/Forged Transfer
The policy protects the employer from financial loss due to the fraudulent
activities of an employee or group of employees. The loss can be the result of the
employee's theft of money, securities, or other property of the employer. It can be
extended to cover forged transfer thus indemnifying the insured where its shares or
stocks are transferred from one name to another due to the production of forged
documents or fraudulent computer instructions.
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Property/Material Damage
Property Damage is an “All Risks” cover which protects against loss or Damage to
property owned, rented or leased by the insured, or the property of others held in
trust for which the insured may have obligation to insure, repair or replace. It
covers all risks except specifically as excluded in the policy. It usually combines
the coverage in a fire & special perils, burglary and accidental damage.
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Goods In Transit
This policy is effected to cover moveable property whilst in transit by land,
vehicles, railway and/or inland water way.
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Householders/Houseowners Insurance
The house owners and householders comprehensive insurance policy is a specially
tailored policy to provide protection for homeowners and/or householders in respect
of loss or damage to buildings or household content.
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Money
This policy protects your business against the loss of cash while in transit either
to or from the bank as well as while on your business premises provided it is
securely locked up in a safe. The policy can also cover cash in the personal custody
of selected staff as well as damage to safe.
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Personal Accident
The policy is designed to carter for individuals and coverage is provided for
accidents, injuries and death resulting from accidents.
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Group Personal Accident
The policy is designed to carter for a group of persons whether employees, club
members, etc. Coverage is provided for accidents, injuries and death resulting from
accidents with particular attention to the needs and peculiarities of clients.
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Public Liability
The policy indemnifies the insured against all sums which they become legally liable
to pay in respect of:
- Accidental death or bodily injury to any person.
- Accidental loss of or accidental damage to property
happening during the period
of insurance and caused in the course of the business within the territorial
limits.
- All costs and expenses incurred with the written consent
of insurers.
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Occupiers Liability
The policy is made to comply as a minimum with the provisions of The Insurance Act
2003 {Section 65(1)} which makes it mandatory for any “public building” to be
insured in respect of general third party liabilities.
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Products Liability
The policy is designed not only to pay for the company’s liabilities regarding
accidental death or bodily injury following use of products but also the cost of
recall. Our team combines prevention, planning, risk transfer and response to ensure
you can react quickly and effectively to protect the integrity of your brand.
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Professional Indemnity
This policy covers against loss arising from any claim or claims for the breach of
duty (negligence) which may arise by reason of neglect, error or omission, etc. It
can be structured as claims made policy or on occurrence basis.
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Employers' Liability
The policy is designed to provide protection to the employer against liability
associated with injuries, accident, and death to the employees in the course of
service. It covers common law liability as well.
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Motor Insurance
All vehicles plying public roads must have a minimum of third party insurance
covering liability for bodily injury to third parties including death {Motor Vehicle
(Third Party Insurance) Act of 1945} and damage to third party property (Insurance
Act 2003, Section.68). Other variants of motor policies are Third Party, Fire &
Theft as well as Comprehensive Motor Insurance.
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Marine Insurance
Marine Insurance is a contract of indemnity; the amount recoverable is measured by
the subject matter of contract. The policy could be made for Cargo, Hull or
Liability.
Marine Cargo Insurance is risk protection provided to the insured for
loss or physical damage to merchandise or goods while in transit.
Marine Hull Insurance on the other hand covers loss or damage to hull
and machinery due to heavy weather, fire, lightning, explosion, grounding,
stranding, collision, machinery damage, ranging, piracy, barratry, sue and labour.
Protection & Indemnity and other marine liabilities, shipyards, ship builders
specific policies also exist and are readily deployed by our team.
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Aviation Insurance
This is a special risk area and specific aviation insurance packages are often
designed to meet the needs of clients especially in the areas of Hull and Liability
Insurances. We package products for clients involved in the business ranging from
very light jets to flag carriers.
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Contractor All Risks
This policy combines the material damage element with third party liability in order
to provide the best form of protection to contractors involved in civil engineering
works. It therefore provides protection against risk involved in the construction
process.
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Builders Liability
The policy is made to comply as a minimum with the provisions of The Insurance Act
2003 {Section 64(1)} which makes it mandatory for any building above two floors in
the course of construction to be insured in respect of general third party
liabilities.
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Builders Liability
The policy is made to comply as a minimum with the provisions of The Insurance Act
2003 {Section 64(1)} which makes it mandatory for any building above two floors in
the course of construction to be insured in respect of general third party
liabilities.
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Machinery Breakdown Policy
This policy covers unforeseen and sudden physical loss or damage to machines as
described in the schedule caused by breakdown occurring within the premises
specified in the schedule. Whist such machinery is working or at rest or being
dismantled, moved or re- erected for the purpose of cleaning, inspection, repairs or
installation in another position within the premises: but in any case only after
successful commissioning.
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Plant All Risk
This is an all risk policy that protects the plants and machinery of the insured
against lost or damage except as specifically excluded.
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