Employee Liability

This insurance policy protects employers against legal liability under common law, negligence or breach of statutory duty for damages and employee’s (claimant’s) costs and expenses of litigation in respect of accidents, diseases or even death in the course of employment. It is prudent for employers to have both Employers’ liability and WIBA for comprehensive protection from liabilities of and compensation to employees.

Bid & Performance Bonds

A bid bond is a legal instrument enforceable by law that is used by project owners at tender stage. Bid Bonds are undertaken by contractors to provide assurance to the project owner that they are qualified and committed to execute the bid. If the contractor wins the bond but decides not to execute the bid, the project owner may make a claim against the full or partial amount of the bid bond. A performance bond guarantees the project owner against possible losses if a contractor fails to perform or deliver the project contractor according to the terms and conditions stipulated in the contract. We source, secure and facilitate bid and performance bonds from reputable insurance companies on behalf of our clients.

Animal & Crop Insurance

This insurance also known as agriculture insurance compensates farmers from the loss suffered from theft and accidental death of livestock (dairy / beef cattle, poultry, sheep, pigs) by natural calamities, illness or disease, epidemics, emergency slaughter on advice of qualified vet surgeon and calving, farrowing and kidding complications. Crop Insurance Covers from the loss of damage to crops such as wheat, maize, barley, rice, tea, coffee, sugarcane, tobacco, trees, flowers and other horticultural crops from perils like hail storms, fires, drought, flooding and lightening

Contractor All Risks

This policy is for contractors requiring coverage for property damage and third-party injury or damage claims which are the major types of risks on construction projects. In detail, the cover offers protection for destruction or damage to contract works, plant and machinery on site and materials on site. The policy also covers the contractor’s liability to members of the public (third parties), for death, injuries or damage to their property arising out of the contractor’s negligence.