To provide indemnity for loss of or damage to the insured property resulting from fire, lightning, explosion, earthquake, bush fire, spontaneous combustion, riot and strike, malicious damage, water damage and special perils.
To provide indemnity arising from Business interruption following damage to building(s) or other property/asset(s) used by the insured as a result of the perils/risks covered under the Fire & Special Perils policy.
As an option and combination of covers provided under Fire, Consequential Loss and Burglary Insurances in one Policy Document.
To provide cover for loss or damage to property insured as a result of forcible and/or violent entry/exit from the premises. The property covered under this policy includes:- • Furniture, Fixtures and Fittings. • Office contents. • Plant and Machinery.
To provide loss or damage to cash, bank and currency notes, postal/money orders etc belonging to the insured or for which the insured is responsible while it is In:- transit, insured’s premises, hands of authorised staff, among others.
To provide indemnity for loss or damage to valuable equipment susceptible to accidental damage.
To provide indemnity for losses which arise suddenly, unforeseeably and materially affect the item insured necessitating repair or replacement e.g. computers, communication facilities.
To provide indemnity for sudden and unforeseen physical loss or damage, necessitating its repair or replacement for example generators and lifts
To provide indemnity for the replacement cost of specified glass panels/walling if broken by accident or during theft including boarding as a standard Burglary Policy does not cover breakage of glass.
To provide indemnity against loss of money and/or stock and/or stores caused by fraud or dishonesty of the insured’s employees.
To cover the insured’s employees and directors against accidental death and / or injury in accordance with benefits specified.
To provide indemnity in respect of death or injury to employees arising out of their employment and provide indemnity for legal liability in respect of accidental death, bodily injury or illness
To provide indemnity against loss of or damage to motor vehicles, liability to third parties and passenger liabilities arising out of use of the vehicles owned and / or operated by the insured.
To provide indemnity under Common Law following bodily injury and/or death arising out and in the course of employment.
To provide indemnity against legal liability to third parties in respect of accidental death, bodily injury and or illness and/or damage to property incurred by the insured in the course of their business operations
To provide indemnity against loss or damage caused by fire, lightning, thunderbolt, earthquake, volcanic eruption, explosion, riots/strikes, malicious damage and special perils for private dwellings to cover buildings and contents owned.
To facilitate insurance of cargo while in transit
To facilitate tender bids, surety and due performances per specific needs or requirements.
To cater for specific benefits which the insured wish to bestow to their employees in case of demise while in employment.
To cater for medical expenses incurred by employees in case of illness both in and out patient per specific requirements of the insured.
To provide indemnity for loss or damage during construction/erection period of property.
To provide indemnity for loss or damage to sports equipment and third party legal liability.
To provide indemnity against legal liability arising from negligence, error and/or omission by employees of the insured.