WIBA Plus (WIBA & GPA) Insurance

Provides cover for on a 24-hour basis for injuries contracted by employees in the course of employment duties and during leisure activities.

Policy Benefits:

• Death
• Permanent Total Disability
• Temporary Total Disability
• Medical Expenses
• Funeral Expenses
• Repatriation expenses
• Artificial Appliances
• Occupational Illnesses

Employers Liability

This policy protects employers from legal claims filed by employees who experience work-related injuries or occupational illnesses. In conjunction with Work Injury Benefits Act (WIBA) Insurance, this policy provides coverage for employers against legal defense costs and claims made by injured employees.

Commercial General Liability Insurance

Commercial General Liability provides protection against civil liability claims arising from:

• Accidental bodily injury to a third party
• Accidental loss of or damage to third party property

This policy can also extend to cover:

• Products Liability
• Food & Drinks liability
• Car Park Liability
• Employee and Visitors Property (Guest Effects) 
• Advertising Liability
• Vendors Liability
• Legal defense costs
• Compensation for Court Attendance
• Terrorism Liability
• Sudden & Accidental Pollution
• US & Canada exposures

Hotel Combined Liability Insurance

This policy provides protection to hotels & resorts against civil liability claims arising from:

• Accidental bodily injury to a third party
• Accidental loss of or damage to third party property

This policy extends to cover:

• Food & Drinks Liability
• Water Sports Extension 
• Golf Club Liability 
• Motor Excess Of Loss Third Party Liability 
• Liquor Law Liability
• Valet Parking Liability 
• Wrongful Arrest & Defamation Of Character 
• Premises Medical Payments
• Safe Deposit Box Liability
• Directors, employees, visitors and guests clothing and personal effects
• Tours Operators Liability 
• Terrorism Liability
• US & Canada exposures

Contaminated Products Insurance

This is a first-party policy that protects insured persons against:

1. Accidental Contamination of manufactured goods (Food & drinks)
2. Malicious Product Tampering 
3. Product Recall Expenses
4. Consultancy costs
5. Rehabilitation Costs
6. Business interruption (loss of gross profit)
7. Adverse Publicity

Preferred product segments:

Manufacturers, producers, packers and exporters of: 

• Food & Beverages
• Fruits, vegetables, tropical crops & & Nuts
• Cereal, Grain, Confectionery, Pastries and Baked goods
• Meat, Dairy, Cheese

Environmental Impairment Liability Insurance

Product Profile

Our Environmental Liability Policy is  designed to help our clients manage sudden and gradual pollution risks. It offers multiple options to select from to meet the unique risks of our clients, including those associated with:

• Manufacturing & industrial operations
•  Recycling
•  Waste management & disposal
• Contracted building works
• Water and sewerage treatment
• Pipeline operations
• Petrol stations
• Hospitals 
• Hotels