Personal Lines

COMMERCIAL LINES

*Public liability

Public Liability Insurance covers your business against damages which it may become legally liable to pay.

*Workmen’s Compensation

Workman's Compensation provides cover for employees in the event of bodily injury or a disease that occurred at the workplace. The policy covers accidental bodily injury or death resulting from an accident by external or violent means.

*Business All Risk

Covers loss of or damage to your business's portable property that the you as a business owner or your employees usually take away from where the business operates whilst anywhere in the world.

*Fire And Allied Perils

Policy covers damages to the whole or part of the property, buildings or structures insured owned by you or for which you are responsible, against perils such as fire, lightning or thunderbolt, explosion or other natural causes.

*Buildings Combined

This policy covers commercial and community buildings such as offices and churches against perils such as fire, lightning or explosion.

*Money Cover

Covers loss of or damage to any negotiable instruments, including; cash, cheques, money orders, credit card vouchers, postage and airtime vouchers.

*Group Personal Accident & Group Life Assurance

The policy covers accidental bodily injury or death resulting from an accident by external or violent means. The policy can be issued against selected staff members whom the company cannot do without. It can be taken up for high income earners in the company whom would not be compensated accordingly under Workmen's Compensation Insurance.

*Glass Cover

Covers loss of or damage to internal and external glass (including mirrors), sign writing and treatment thereon at the insured premises.

*Goods In Transit

Anything can happen whilst transporting goods from one destination to another. Provides financial protection against loss of or damage to goods or property owned by you or for which you are responsible whilst being transported, as part of your stated business activity.

*Motor Fleet Cover

This cover offers comprehensive, limited and liability insurance on all commercial vehicles, motorcycles and trailers.

* Professional Indemnity

This aims to cover financial losses that you may become liable for. These are losses that may arise from physical injury or damage to third-party property or person, caused by yourself or anyone involved in your business. This particularly applies when the incident takes place at your company’s premises or at the customer's location if work away has been specified.