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Miscellaneous

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ALL RISKS INSURANCE

This policy automatically covers any risk that the policy does not expressly exclude. This means this is a very wide cover offering almost complete financial protection for all types of losses.

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PUBLIC LIABILITY

This policy protects businesses against legal liability to third parties for bodily injury including death, illness or disease and for any loss of or damage to property happening in connection with the business.

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PRODUCT LIABILITY

This policy provides protection against the cost of compensation for personal injuries caused by faulty product, loss of or damage to property caused by your faulty product and/or unforseeable circumstances such as product faults.

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EMPLOYER’S LIABILITY

This policy protects employers in the event of an accident in the course of employment resulting in the death or injury of an employee as well as in the case of any illness or sickness arising out of employment including legal expenses incurred defending the insured.

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PROFESSIONAL INDEMNITY

This policy is designed to you and your business against claims for financial loss or damage that are made by a client or other third parties. Claims could arise as a result of perceived negligent services or negligent advice your business or practice have provided.

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FIDELITY GUARANTEE

This policy provides cover against the financial loss suffered by the Insured as a result of fraud/dishonesty of employee/s of the insured. The policy provides cover against a direct pecuniary loss sustained by reason of any act of fraud/dishonesty committed.

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MONEY INSURANCE

This policy provides cover for loss of money in transit between a business premises, bank and other specified places occasioned by robbery, theft or any other fortuitous cause. It also provides cover for loss of money in the business premises, safe or vault, etc.

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