Single Premium Immediate Annuity

A single premium immediate annuity is a contract with an insurance company whereby you pay them a sum of money up front and they pay you a certain amount of money periodically for the rest of your life.

Professional Indemnity Cover

This policy covers legal liability for the consequence of error, omission or negligence, professional conduct and execution of the defined activities. It also covers the costs and expenses incurred in defense/settlement of a claim.

Directors’ And Officers’ Liability

Directors’ & Officers’ Liability Insurance is very often referred to as D&O Insurance. It is in essence a Professional Indemnity Policy meant for the Management Team of a company. Succinctly put it is a Management Liability Policy. Losses covered under the policy include:
  • Judgements
  • Settlements
  • Defense Costs
WHAT IS COVERED
  • Management Liability
  • Protection of Non-Executive Board Members

Burglary Insurance

Loss of or damage to the property insured whilst contained in the business or trade premises arising from theft consequent upon actual
  • Theft consequent upon actual forcible and violent entry into the insured premises
  • Theft or any attempt thereat by a person feloniously concealed on the said premises
  • Hold up or armed robbery
  • Damage to the building due to theft or attempt thereat.

Group Personal Accident

The group personal accident cover provides compensation to the employees of the insured for physical and visible body injury caused in an accident, as well as injuries that result in death or disablement. The policy provides employees as well as employee families with protection against accidents while on the job. It is best for corporates and institutions. The Personal accident cover provides compensation to the insured for physical and visible body injury caused in an accident. It goes on further to cover individuals if the injury as a sole cause results in death or disablement. This cover may be extended, at an additional charge, to include additional risks such as riot & strikes.

Public Liability

The policy protects the insured against legal liability to 3rd Party for damages in respect of:-
  1. Death or bodily injury including illness
  2. Loss or damage to tangible property occurring within the territorial limits and arising in the course of or in connection with the insured’s business
Exclusions includes:
  • Liability arising from Chemical/ Biological substances
  • Terrorism
  • Political violence

WIBA

Covers all employees against accidental death and/or injury in accordance with the benefits specified in the policy. This will include permanent, contract, temporary, and casual employees. Benefits includes:
  • 24 HR worldwide cover payable upon death arising from ( accidental & occupational causes)
  • Permanent & total disability
  • Temporary & total Disability
  • Medical reimbursement

Domestic Package

Domestic package is very critical in our homes in case of fire, terror attacks, and earthquakes. Having the domestic package puts one’s mind at ease knowing that you’ll be compensated in such cases. Household appliances are protected against theft, explosions and fire. Third party liabilities and domestic employees are covered from accidental bodily injury or death. This is a combined policy for homeowners. It covers the building itself, contents whilst in the house and outside the house, house servants against death or injury whilst in the course of employment and personal legal liability to third parties.

Travel Insurance

This cover is taken up before embarking on a trip outside your home country that offers you protection in case of any unforeseen circumstances while on your trip. Designed for travel all over the world, enjoy cover for anything from medical expenses and assistance, travel delay or flight cancellation, hospital allowance, personal accident cover, baggage loss etc.

Motor Private

Motor Private Insurance policy provides cover for insured’s vehicle against financial loss and legal liability arising from accidental damage, fire, theft and malicious damage. There are 3 types of coverage under motor insurance:
  • Third Party: Covers third party bodily injury and property damage arising out of a vehicle accident.
  • Third party Fire & Theft: Cover extends to cover theft, fire, third party bodily injury and property damage.
  • Comprehensive: Covers third party liability and property damage to the vehicle i.e. damage arising out of fire, theft and accidental damage to the vehicle.

Personal Accident Cover

We offer a cover against injuries, disability or death caused solely by an accident. A major accident can suddenly disrupt your entire life. It’s better to stay protected with our personal accident insurance.