Covers property against physical loss of or damage caused by fire and/or lightning, explosion, aircraft damage, bursting and overflowing of water pipes, earthquake, windstorm, volcanic eruption, hurricane, cyclone, typhoon, malicious damage, riot and strike, smoke, vehicle impact damage and other insured perils.

Provides cover for accidental loss or damage to glass up to the insurance value. Cover can be arranged for cabinet glass, display signs, fixed glass and glass partitions on premises.

The policy covers the employer against loss of money and/or stock through dishonest acts of employees.

Provides cover for loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy. Cover may be All Risks or for specified perils and may be taken for specific consignments or annually.

This policy covers

1. Property damage – Loss or damage to electronic equipment due to fire, theft, electrical or accidental physical damage or any other sudden and unforeseen damage to the property not excluded under the policy.
2. Reinstatement of data– Reinstatement of data, and storage media for data (Data media) caused by a defined event referred to section1. 

Increased cost of Working– The additional expenditure necessarily and reasonably incurred by the Insured following loss or damage to items covered under Section 1 above including the cost and expenses incurred in hiring computers and additional staff and overtime payments

This cover provides protection against claims arising from:

• Accidental bodily injury (including death) to any person
• Accidental loss of or damage to property happening in connection with the business of the insured and occur- ring within the territorial limits of the policy. There must be proof of negligence on the part of the insured.

• All Risks Insurance

Provides cover against accidental physical loss or damage to specified items as a result of any cause which is not excluded from the policy. This includes theft, fire, riot and strike, accidental damage and any other cause not excluded under the policy.

The theft policy provides cover against loss or damage to property following forcible or violent entry or exit from insured premises. Assets such as office equipment, stock in trade and jewellery are usually covered.

Covers loss of money by theft whilst:

• In transit from premises to the bank and vice versa
• In premises during business hours and outside business hours.
• In the hands of senior employees/authorized personnel of the company
• Damage to safes and /or strong rooms

Covers against sudden and unforeseen physical loss or damage to insured machinery; to cover the cost of repair or replacement of indemnifiable breakdown or losses; and give assistance in expediting.

Work Injury Benefit Act steps in to lift the employer’s financial obligation under the Work Injury Benefit Act to compensate workers Injured out of and in the course of employment.

It includes:

• Cost of medical care
• Rehabilitation
• Lost wages for injured employees and
• Benefits for dependents of persons killed in work related accidents

This policy will Indemnify the Insured against legal liability under common law for damages and claimant’s costs and expenses of litigation and will in addition pay all costs and expenses incurred by the Insured with the

Company’s written consent following a legal suit by the employee of the insured.

This insurance covers the insured property while at the named location(s) specified in the policy schedule against physical loss or physical damage, occurring during the period of insurance, within the coverage territory, and directly caused by:

• An act of terrorism and/ or sabotage
• Malicious damage
• Riots, strikes, civil commotion

Provides cover against accidental physical loss or damage to specified items as a result of any cause which is not excluded from the policy. This includes theft, fire, riot and strike, accidental damage and any other cause not excluded under the policy

Machinery breakdown insurance, also known as equipment breakdown insurance, covers the cost of repairing or replacing machinery and equipment that unexpectedly fails or is damaged.
Machinery Breakdown is an “accident” insurance cover that provides cover against sudden and unforeseen, fortuitous physical damage to your insured plant and machinery item

The Policy covers bodily injury caused by violent, accidental, external and visible means which is subject to the limits specified in the Policy. The cover is recommended for individuals and groups and can be issued on fixed benefits or based on salary