General Insurance Products

GENERAL INSURANCE

Fire and Perils Insurance:

This  covers  property against the risks of fire, lighting and explosion.  It may be extended to include other perils.

Consequential Loss:

This policy covers the consequences that result from fire damage so that the insured can continue operating to avoid loosing productive capacity or future earning power.

Domestic Package Insurance:

This is a policy that covers homeowners and renters of residential property against loss of the residential building or as a result of fire, lighting and explosion or theft of contents of a residential property.

All Risks Insurance:

This policy covers valuables such as watches, cameras, calculators, cellphones and other equipment against accidental loss, damage or destruction from any cause including fire.

Theft Insurance:

This policy covers the insured’s property against theft of property covered following forceful entry into and or exit from the premises covered.

Money Insurance:

This policy provides cover for loss of money whilst in transit, in premises during business hours and in premises in locked safe or strong room out of business hours.

Goods in Transit Insurance:

This policy covers loss of or damage to goods whilst in transit by road or rail

Fidelity Guarantee Insurance:

This cover indemnifies the employer against direct pecuniary  loss, and loss of stock which may result from acts of dishonesty by an employee in the course of his employment.

Public Liability Insurance:

The policy protects insureds against legal liabilities to third parties for both bodily injury and for loss of or damage to property which happens in connection with the business.

Contractors All Risks Insurance:

This policy will indemnify the insured against accidental loss or damage to temporary and permanent works, equipment or material whilst in the course of construction until handed over by the Contractor to the Employer.

Machinery Breakdown Insurance:

This policy covers unforeseen and physical loss or damage to machinery.

Work Injury Benefits Insurance(WIBA):

The policy covers employers against liability for bodily injury, death or disease sustained by employees arising out of and in the course of their employment.

Personal and Group Personal Accident Insurance:

This policy covers bodily injury caused by violent, accidental, external and visible means resulting directly and independently of any other cause in death, disablement or medical expenses as described in the policy.

Motor Insurance:

This policy covers both private vehicles and commercial vehicles, comprehensively or for Third Party Risks.

Professional Indemnity:

This is an insurance that indemnifies professionals like lawyers, engineers, doctors, accountants, public officials and others against liability for financial or personal injury to clients or others due to own neglect or error of employees or partners.

Marine Insurance:

This insurance will cover loss or damage to goods whilst being transported by sea or air.