General Accident
This policy is only recommended for moveable and personal effects or valuable company artifacts. Items to be insured should be specifically mentioned while the scope of cover is worldwide.
Money Insurance Policy compensates the Insured against loss of money, cheques, money orders or postage and revenue stamps resulting from any cause whilst:
- In transit to and from any of the insured's Bank
- In Safe, Strong Room and /or premises
- In Personal Custody (of Key Employees/Management Staff)
Goods-In-Transit Policy provides cover for loss of or damage to the property insured caused by fire, theft and accidental damage directly resulting from collision or overturning of the conveying vehicle whilst in transit during the period of insurance.It also covers loading, off-loading and whilst the goods are temporarily garaged in the course of transit.
Personal Accident Insurance Policy covers the insured and any member of his household for accidental injury causing death, permanent or temporary disability. The nominated beneficiaries are covered anywhere in the world and there is no excess payable for any claims.
Group Personal Accident Insurance Policy is a 24-hour cover developed for employers, associations and clubs to ensure that financial compensation is made available to any employee or member of the insured group in the event of an accident resulting in death, permanent disability, temporary disability and medical expenses incurred. Cover is available to members between the ages of 18 and 65 years.
This cover is for act of fraud, dishonesty, defalcation of money, stock, committed by any employee described in the schedule whilst employed in the capacity set against his name during the period of insurance.
It indemnifies the Insured against all sums which the Insured shall become legally liable to pay as damage in respect of the following:
- Accidental bodily injury, illness or death of any person
- Accidental loss of or damage to property.
These must have occurred during the period of insurance and must be as a result of defects in any goods sold, supplied, repaired, altered, treated, printed, minted and other related services carried on or processed by or on behalf of the insured or arising through defects in the packaging of the goods within the geographical limit herein stated in the schedule of this policy.
The Workmen's Compensation Policy relieves the employer of his responsibility to employees by indemnifying him (the employer) in respect of his legal liabilities under the law. The cover guarantees payment of financial compensation for death, injury, permanent or temporary disability of the employees and medical expenses incurred while carrying out the employer's business.
The policy shall provide indemnity in respect of loss or damage to the property insured resulting from fire, lightning, and explosion. This policy would be extended to include the Risk of malicious damage, riot, strikes & lock-out, aircraft, earthquake or volcanic eruption, storm, tempest & flood, bush fire, escape of water from any tank, apparatus or burst pipes, impact by any vehicle on the road or animal.
This provides indemnity in respect of any loss or damage to contents resulting from theft which is accompanied by forcible and violent means of entry into or exit from the premises or any attempt threat.
This policy could be taken up by the owner of a building or tenant(s) therein. This is designed to cover both building & the contents of private dwellings against risk of fire & special perils, burglary & housebreaking or attempt threat, public liability & personal accident.
For Homeowner
The insurance cover is designed to cover both building & the contents of private dwellings.
For Tenants(s)
This insurance cover is designed to cover only the contents of private dwellings. Contents may include: furniture, household utensils, kitchen electrical goods, personal effects and valuables.
Risk insured against include:
- Fire & Special Perils (earthquake, storm (other than gates and fences), subsidence, burst pipes, Impact from vehicles, falling trees, animals, aircraft, aerials and masts, earthquake, smoke, oil or water leakage)
- Theft, buglary & housebreaking or attempt threat
- Public Liability
- Personal Accident
- Vandalism / Malicious damage
- Lighting
An accurate inventory of contents of private dwellings with proof of ownership should be made at inception of the Policy so that at the time of a loss claim settlement will be easier and faster.
