Our general insurance products are:

Burglary insurance:
This class of insurance is mainly for business premises, offices, shops, stores, warehouse and the like. The insurances covers the loss that occurs as a result the act of breaking and entering a business premises with an intention of stealing or the act of breaking out after stealing in the premises.

To claim burglary insurance there must be evidence of breaking in or forced entry, with intention of stealing from the premises. or exit. Entry may be through a person entering the premises or constructively using a stick or hook or any instrument to remove goods from the premises.

Fidelity Guarantee insurance:
This insurance covers loss of money or goods insured as a result of fraud or infidelity by employees while on duty:
The discovery of the loss must be done:
During the currency of the insurance or

Within six months thereafter or
Within three months after termination of such employment which ever shall first expire.
Insurance of money:

This covers cash, bank and postal orders, credit cards, vouchers and open cheques.
What is covered?
Loss of cash while in transit by either theft or accident between the premises and bank, or bank and premises.

Loss of money by either burglary or housebreaking in a locked safe or strong room in an insured premises
Hold up risks, covers damages that occur at the safe room or strong room after or during an attempted robbery.
Electronic insurance;
"Accident" insurance on an "All Risks" basis, covering sudden and unforeseen losses, which physically affect the subject matter insured.

The term "electronic equipment" comprises, in the context of this insurance means, all electrical and electronic system such as:
Electronic data processing EDP equipment

Electrical equipment for medical use
Communication facilities
Light and navigation facilities
Equipment for Research and Material testing
Scope of cover:
Material damage

Data Media cover
Increase of cost of working.
Group personal accident insurance:
It covers company employees where by it's a 24hr workman compensation cover with a minimal benefits, as per employee compensation schedule. It provides covers incase of an accident that causes death or bodily injury. Cover benefits include:

The cover provided under this class of insurance is the accident causing death or bodily injury. This insurance provides the following benefits:
In case of Death.

Disability either permanent disability, temporary disability or temporary partial disability .
Medical reimbursements.

Plate glass insurance:
Provides cover for actual breakage of the glass that is completely and securely fixed either by accident, with an exception of fire, explosion, heat, flood and riots.

Professional indemnity insurance:
Provides cover to professionals for damages which may be due to professional negligence or malpractice.

Workmen's compensation insurance:
It provides cover for liability at law to an employee of an insured's service who sustains bodily injury in course of his duties at his work place. A workman is only considered employed when at the work place; he/she ceases to be an employee when one leaves the work place.

Public liability 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's ways, works machinery or plant

Negligence of the insured or his employees while on duty Defective product.

Domestic package insurance:
This type of insurance policy provides cover against loss or damage of insured property by fire, lightning, explosion, storm, flood, overflowing of water tanks, earthquake, riot and strike, malicious act, burglary, theft, larceny, and various sundry risks in the premises declared. Restricted cover applies when the property temporarily removed elsewhere.

Fire and Perils insurance:
Provides cover against the loss or damage to insured property by fire, lightning, bush fire, subterranean fire, full explosion, earthquake (fire and shock) riot, strike, malicious damage, volcanic eruptions and other perils as per policy.

Motor insurance/motor cycle insurance:
These cover includes three types of insurance covers

Third party only cover:
Provides for a minimum cover as required by law (Motor vehicle insurance ordinance) which requires all vehicle owners to insure or provide security against their legal liability incase death or bodily injury caused to third parties (cover is unlimited in amount).

In addition to cover required by law, it provides cover for legal liability to third party property damages up to specified limits.

Third party fire and theft:
Over and above the third party only covers, the loss or damage to the vehicle by fire and theft.

Comprehensive cover:
This is a wider cover that provides protection against loss of or damage to the motor vehicle and its accessories while thereon, third party liabilities, medical expenses and towing charges up to specified limits.

Marine insurance:

It has two types of policies:
Marine Hull-provides insurance cover to the vessel and its Machinery.
Marine Cargo-provides insurance cover to the cargo or goods carried by the vessel.