This insurance policy covers against accidental loss or damage of golfing equipment, personal effects, public liabilities as a result of injuries or damage to property by accident and also covers expenses associated with the good luck of a hole-in-one event. The policy is also extended to with a personal accident cover to provide protection for personal injury by accident.
Category: General Insurance
Credit Insurance
This policy pays off an outstanding debt in the event of the policy holder’s death, disability, or termination of employment. In the event of death, beneficiaries or dependants are protected from taking up the debt’s liabilities that they were not privy to.
Money Insurance
Covers the loss or cash during business hours, in specified safes and strong rooms, whilst in transit or in the custody of authorised employees and can also cover the damage to safes and strong rooms in theft or attempted theft.
Fire & Special Perils
This policy safeguards against unforeseen contingency caused by accidental fire, lightning, explosion/implosion.
The policy can be further extended to offer protection against: destruction or damage caused by aerial devices, man made perils in the form of riots, strike and natural calamities like storm, cyclone, flood etc.
Marine Insurance
Covers the loss or damage of ships, cargo, terminals, and any transport by which the property is transferred, acquired, or held between the points of origin and the final destination. Marine insurance has two distinct coverages:
- Marine Cargo: Covers sea risks of loss or damage of cargo from accidental causes such as sinking, stranding, fire, collision, sea water, heavy weather, contact, explosion, damage during discharge or loading and special charges incurred at the point of distress and a wide range of other perils.
- Marine Hull: Covers accidental loss or damage to the torso and hull of the vessel, equipment and furniture (ship, boat, cruisers) anywhere in the agreed navigational limits set by the policy along with equipment.
Marine Cargo Insurance
Marine Hull Insurance
Public Liability
Covers the cost of claims made by members of the public for personal injuries, loss or damage to property or death for incidents that occur on your business premises or on off-site locations such as events / activities organised by your company.
All Risk Insurance
Covers indemnification against loss or damage to all movable / portable equipment which are not necessarily confined in a premise. The policy usually covers any perils as long as the peril is not specifically excluded from coverage
Home Insurance
This policy also known as home insurance, offers you coverage against damage to residential homes, as well as loss or damage to its contents including your valuable items worn or carried such as jewellery, phones and laptops. It also compensates for medical expenses from injuries and illness suffered by domestic workers and costs arising from legal liabilities caused by incidents causing bodily injury and loss or damage to third parties.
Motor Insurance
A motor insurance policy compensates in the event of an accident and damages sustained by the insured’s vehicle or other people and property
- Comprehensive Motor insurance provides protection to you, your car and third parties against all possible risks such as accidents, theft, vandalism, fire, riots and natural disasters.
- Third Party Motor Insurance provides you with protection against financial liability in the event of damage of property or injury, physical disablement or death to third parties. This policy does not cover for any loss or your own property and physical damaged or compensate upon the unfortunate circumstance of death in an accident.