workmen’s compensation Insurance

This insurance indemnifies the Insured against any sums for which the Insured becomes legally liable as a direct result of any negligent act, error or omission made by him during the performance of his duties as a professional man/women, awards arising out of court judgments, defense costs, loss of documents, fees and expenses.

This class of insurance provide cover for loss of money whilst in transit between the premises, bank and post office by robbery, theft or accident, held in locked safe/ or strong room in the insured premises by burglary or house breaking. Money includes cash, bank drafts, currency notes, treasury totes, cheques, postal orders and current postage stamps

The policy cover damage to the whole or part of the property owned by the insured caused by Fire and allied perils (lightning, explosure, fire, stomes).

This insurance is for group members or employees of a particular institution and this protects the employee or member of the group for 24 hours even after working hours. It is that if he has an accident and it causes him or her problems with either permanent or temporary disability, this insurance will pay medical compensation as well as compensate the family of those who will lose their insurance for death

Protect the insured against financial Loss in the event the motor vehicle is involved in an accident, burnt or stolen. Third party policy cover third party death, bodily injury and property damaged arising out of an insured event.

This policy offers protection against loss, destruction, or damage to goods whilst they are in transit - from the time of leaving the insured’s premises to final delivery, liability during loading and unloading of the goods, and temporary housing in the course of transit.

This cover under this class is the accident causing death or bodily injury. This insurance provides the following benefits:-

(|) Death benefit

(||) Disability benefit

(|||) Medical reimbursement

This policy insures all the assets of a company. This business insurance provides cover to assets in one policy document that is customized according to the specific needs of the client.

Covers the “Contract Works” undertaken by a contractor against any unforeseen accidental physical loss or damage. Interests covered include but are not limited to the total contract value including costs of all materials and all-temporary and permanent works. In addition; the principal’s existing property, contractor’s plant, equipment and machinery at the project site, reasonable costs for removing debris, loss or damage to third parties arising from the execution of the project can also be covered.

This class of insurance provides cover for legal liability in respect of bodily injury to or illness of any person and loss or damage to property belonging to third parties arising as a result of defect in insured events, work machinery or plant, negligence of the insured or his employee while on duty.

This class of insurance provides cover for liability at law if an employee in insured services, sustain bodily injuries or death arising out and in the course of his employment by the insured in the business/working environment.(within office hours)

This policy covers cargo during single voyage as well as multiple voyages during a given period-usually annual-when carried by water, air and/or land. This policy can be particularly useful for the import or export of cargo between the points of origin and the final destination.

This class of insurance provides cover for unforeseen sudden physical loss or damage to the machinery due to:

(1) Defect in casting and material
(2) Fault design
(3) Fault at workshop or in erection
(4) Bad workmanship
(5) Lack of skill
(6) Carelessness

This policy guarantees the repayment of the principal and all associated interest payments to the bondholder in the event of default. Bond issuers will buy this type of insurance to enhance their credit rating in order to reduce the amount of interest that it need to pay and make the bonds more attractive to potential investors. Bonds available include:

(1) Custom bond
(2) Performance bond
(3) Bid bond
(4) Advance payment guarantee

This policy provides cover against loss or damage to hull and machinery caused by major named perils such as collision, grounding, fire and explosion, earthquakes (and the tidal waves that might follow them), as well as general perils of the sea, lakes or rivers

This insurance protects and compensates against losses caused by the accident of electrical equipment such as computers, printers, fans, photocopy machines etc.

This class of insurance provide cover against the risks of Forgery, Embezzlement, Larceny and Fraudulent Conversion of money committed by the Insured’s entrusted named employees.