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
  • 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


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