General Insurances (Non – Life)
General insurance, often referred to as non-life insurance, encompasses a wide range of insurance products that provide coverage for various risks and liabilities, excluding life insurance. These policies are designed to protect individuals and businesses from financial losses due to unforeseen events.
Motor Insurance
Motor Insurance
Is intended to indemnify the insured (vehicle owner) against accidental loss of or damage to his/her vehicle, Insured’s liability at law for bodily injury or material damage caused by the use of the motor vehicle and passengers carried on the vehicles. The extent (scale) of indemnity is subject to the terms, conditions and to the limit (extent) of the cover granted by the policy which the insured holds.
Fire & Allied Perils
Fire & Allied Perils
Insurance is a type of property insurance that provides coverage against losses or damages caused by fire and other related risks
Engineering insurance
Engineering insurance
Encompasses various types of coverage designed to protect against risks associated with construction and engineering projects.
Personal and group insurance
Personal and group insurance
Particularly in the context of personal accident and illness coverage, provides financial protection against unforeseen events that can lead to injury or illness.
Workmen’s Compensation and Employers' Legal Liability Insurance
Workmen’s Compensation and Employers' Legal Liability Insurance
Are essential components of workplace safety and employee protection?We provides coverage for employers against claims arising from workplace injuries or illnesses.
Bonds
Bonds
Often referred to as surety insurance, is a type of insurance that guarantees the performance of a contractor or the fulfillment of a contractual obligation. It involves a three-party agreement between the principal (the party required to perform), the oblige (the party receiving the benefit), and the surety (the insurance company providing the bond).
Travel insurance
Travel insurance
Is a type of insurance designed to cover various risks associated with traveling, providing financial protection and peace of mind for travelers? It can cover a range of situations, from trip cancellations to medical emergencies.
Public Liability Insurance
Public Liability Insurance
Is a crucial type of insurance that protects businesses and individuals from claims made by the public for injury or damage to property that occurs as a result of their activities? This insurance is particularly important for businesses that interact with clients, customers, or the general public.
Political Violence and Terrorism Insurance
Political Violence and Terrorism Insurance (PVT)
Is a specialized type of insurance designed to protect businesses and organizations from losses resulting from political violence, terrorism, and related risks.
Fidelity Guarantee Insurance
Fidelity Guarantee Insurance
Is a type of insurance that protects businesses against financial losses caused by dishonest or fraudulent acts committed by employees? This insurance is particularly important for organizations that handle significant amounts of money or valuable assets, as it provides a safeguard against employee theft, fraud, or embezzlement.
Plate Glass insurance
Plate Glass insurance
Provides coverage for glass if it be destroyed or broken by any accident or misfortune of a fortuitous character. The Company shall then be liable subject to the terms, exceptions and conditions of the policy.
Burglary & House breaking Insurance
Burglary & House breaking Insurance
This cover indemnifies the Insured for property loss by theft only if caused by forcible and violent entry or exit (per policy terms), including attempted theft or resulting property/premises damage borne by the Insured. It applies solely to burglary and housebreaking; entry using skeleton keys, unfastened bolts, or open doors/windows is excluded.
Business Interruption
Business Interruption (Loss of profit)
The object of Business Interruption/Consequential Loss Insurance is to indemnify the insured or enable the Insured to recover the loss of gross profit due to reductions in turnover and reasonable additional expenditures incurred in minimizing such reduction in turnover following material damage or loss caused by fire and allied perils.
Aviation insurance
Aviation insurance
A specialized type of insurance designed to cover the risks associated with flying and operating aircraft. It provides protection for various stakeholders in the aviation industry, including aircraft owners, operators, and passengers.
Weather Index Insurance
Weather Index Insurance
Insurance designed to protect farmers and agricultural producers against the financial risks associated with adverse weather conditions. Instead of compensating for actual losses, this insurance pays out based on predetermined weather indices, such as rainfall levels or temperature thresholds.
Money Insurance
Money Insurance (Cash in Safe/Transit)
Is designed to protect businesses against financial losses related to the theft, loss, or damage of cash and other monetary assets. This type of insurance is crucial for businesses that handle significant amounts of cash, such as retail stores, banks, and other financial institutions.
Householders Domestic Package Insurance
Householders Domestic Package Insurance
a comprehensive insurance policy designed to protect homeowners and renters against various risks associated with their home and personal belongings. This type of insurance typically combines multiple coverage options into a single package, providing convenience and broader protection.
Marine insurance
Marine insurance
is a specialized type of insurance that provides coverage for loss or damage to ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between points of origin and final destination.