Business/Commercial
Insurance
Cover for businesses for protection
against potential losses through
unforeseen circumstances like fire and
natural disasters, theft, liability, property
damage, and for coverage in the event
of an interruption of business or injured
employees.
Motor & Household
Insurance
Property and Personal Asset insurance
products for individuals. This insurance
helps protect individuals from potential
financial losses they couldn't afford to
cover on their own.
Directors and Officers
Liability
Also known as D&O insurance, covers the
cost of compensation claims made
against the business's directors and
managers (officers) for alleged wrongful
acts such as breach of trust, breach of
duty, neglect, error, misleading
statements and wrongful trading.
Contractors/All Risks
Covers building, civil and mechanical
engineering projects during construction
or erection against perils such as flooding,
fire or explosion, theft. It also covers the
contractor for both damage to a property
and third-party injury or damage claims.
Taxi Insurance
Covers vehicles used for the purpose of
transporting fare paying passengers
against accident, fire and theft. The
policy also covers third party damages
and passenger injury or death following
an accident.
Liability Insurance
An insurance policy that protects an
individual or business from the risk
that they may be held legally liable
for injury or damages to third party
property as a result of their negligence.
Marine Insurance
Insurance covers the loss or damage
of ships, cargo, terminals, and any
transport or cargo by which property is
transferred, acquired, or held between
the points of origin and final destination.
Property Insurance
Building insurance is coverage purchased
to protect financial risks against a loss or
damage to the structure, fixtures and
fittings of Houses and Commercial Buidlings.
This coverage protects against total loss
or damages as a result of perils such as fire
and natural disasters.
Heavy Commercial
Vehicles
Covers HCV's, trailers, light delivery
vehicles, private vehicles and special
types against accident, theft and third
party liability damage.
Performance Guarantees
A written guarantee from a third party
guarantor (usually a bank or an insurance
company) submitted to a principal (client
or customer) by a contractor on securing
a contract. A performance guarantee
ensures payment of a sum (not exceeding
a stated maximum) of money in case the
contractor fails in the full performance of
the contract.
Body Corprate and
Homeowners Associations
Insurance to protect the body coporates
of residential and commercial building
owners against loss or damage to the
structure, fixtures and fittings including
common property as a result of perils
such as fire and natural disasters.
