HomeServicesGeneral InsurancesGeneral Insurances

General Insurances

1. PROPERTY

Fire & Special Perils

Policy What it Covers Information Required
FIRE AND PERILS To compensate the owner against loss of insured property following fire, lightning, explosion, flooding & earthquake Sum Insured of the Building    Sum Insured of the Contents   Sum Insured of the Machinery

Fire Consequential Loss / Business Interruption

Policy What it Covers Information Required
FIRE CONSEQUENTIAL LOSS To compensate the owner against loss of profits and increased cost of working following a fire claim Gross Profit for 12 Months

Burglary

Policy What it Covers Information Required
BURGLARY This Policy will compensate the owner against for loss or damage to the property insured following violent and forcible entry into or exit from the premises We will use the same information for the contents and Machinery Above

All Risks/ Electronic Equipment

Policy What it Covers Information Required
ALL RISKS This is to compensate the owner against all insurance exposures for the listed portable items. List of portable items e.g. laptops/phones or tabs belonging to the company

Fidelity

Policy What it Covers Information Required
FIDELITY GUARANTEE Indemnity against loss of money and / or stock and / or stores caused by fraud or dishonesty of the insured ‘s employees The amount of Money/Stocks the owner may feel that they may lose

Money

Policy What it Covers Information Required
MONEY INSURANCE Indemnity against loss of money in transit and/or on premises subject to the limits as defined in the policy. Duly completed Proposal Form

Goods in Transit

Policy What it Covers Information Required
GOODS IN TRANSIT To protect you against loss or damage to goods in transit by rail or road anywhere within a specified territory Maximum stock you carry in one vehicle and Estimated total value of stock you carry in a year

Plate Glass

Policy What it Covers Information Required
PLATE GLASS To compensate the insured against accidental breakage of fixed glass from any cause other than from the causes specifically excluded in the policy. Sum to be insured

Motor Insurance

Policy What it Covers Information Required
MOTOR To protect you against loss of or damage to private /commercial vehicles , liability to third parties and passenger liability arising out of use of motor private vehicles owned and / or operated by the insured. Details of the type of vehicle
Copy of Logbook
Approximate Values

Political Violence and Terrorism

Policy What it Covers Information Required
POLITICAL VIOLENCE AND TERRORISM Indemnity for direct physical loss or damage commencing during the policy period, caused by acts of Terrorism, Mutiny, Insurrection, Rebellion or Coup D’état, Strike, Riot or Civil Commotion and or political violence. Sum to be insured

Marine

Policy What it Covers Information Required
MARINE Compensate against all risks of loss or damage to the interest covered while being imported by sea or by air Interests to be covered. Highest Shipment Limit. Countries client will be importing from. Mode of packing, will cargo be containerized. Will transportation be by sea or air?

2. ENGINEERING

Machinery Breakdown

Policy What it Covers Information Required
MACHINERY BREAKDOWN This policy will compensate the owner against sudden and unforeseen physical loss / damage to machinery whilst working, at rest or being dismantled for inspection or repair, from any cause not specifically excluded in the policy. List of critical machinery and the value of these machines

Machinery Breakdown Loss of Profits

Policy What it Covers Information Required
MACHINERY BREAKDOWN – INCREASED COST OF WORKING To compensate the owner against increased cost of working following breakdown of machinery. Limit to be insured for the extra cost you may incur to keep the operations running by outsourcing some operations

Contractors All Risks

Policy What it Covers Information Required
CONTRACTORS ALL RISKS This Insurance is designed to protect the contractor and the principal against losses and damages that might arise during the construction work for any civil engineering projects under construction. Duly completed proposal form

Erection All Risks

Policy What it Covers Information Required
ERECTION ALL RISKS EAR protects the contractor and the principal against damages while hoisting or erecting a plant until its tested and commissioned successfully. Duly completed Proposal Form

Construction Plant and Machinery (CPM)

Policy What it Covers Information Required
(CPM) CONSTRUCTION PLANT AND MACHINERY Covers the preparation and mixing plants, scaffoldings, equipment, cranes, site vehicles not licensed for use on public roads, no matter whether such machinery is owned or hired by the contractor against loss of damage while in the site. Duly completed Proposal Form

Our Partners