Professional Insurance Brokerage Services since 1989
This provides protection for your buildings, office furnitures, fixtures & fittings e.t.c against the usually destructive effects of fire, lightning or explosion. The policy will also extend to cover additional perils such as flood, earthquake, impact by aircraft or motor vehicles, storm, burst pipes as well as malicious damage, riot, strike and civil commotion.
Other possible extensions include:
- architects and surveyors fees,
- debris removal,
- annual automatic increase of the sum insured to protect you against inflation,
- automatic reinstatement of the sum insured after a loss property held in trust or on commission.
The Burglary/Theft policy will indemnify you against loss of or damage to your property as a result of burglary or any attempt thereat. To reduce premium outlay, the insurance can be effected on property which are easily removable bearing in mind the maximum value which you believe can be removed in any one raid by thieves.
Back to topCONSEQUENTIAL LOSS INSURANCE (FOLLOWING FIRE)
This policy will reimburse you for the loss of revenue following an interruption of business due to fire. The policy covers loss of Gross Profit, Wages and Auditors Fees.
Back to topCOMPUTER AND ELECTRONIC EQUIPMENT ALL RISK INSURANCE
This unique product is an 'All Risks' policy covering all risks of unforeseen loss or damage to your electronic equipment and computers. Losses due to the following causes are covered by the policy:
- Fire, Lightning, Explosion and Smoke damage
- Burglary or damage done to the equipment as a result of attempted burglary
- Short circuiting
- Faulty operation and lack of skill
- Riot, Strike and Civil Commotion
The cover granted is against material damage, External Data Media and Increased Cost of Working.
Back to topThis policy is designed to cover loss of money including cheque as a result of fire, theft and other causes not specifically excluded. The money will be covered during transit to and from other banks and locations. Cover will also extend to include all monies while on your premises or on the counter during business hours or in locked safes. The policy extends to cover money in personal custody of your senior management.
Back to topThis policy is designed to protect your organisation from direct loss of money due to dishonest or fraudulent acts of employees. Individual sums insured usually depend on the level of cash and/or stock handled by each employee. The policy can also be taken to cover all staff collectively.
Back to topCOMBINED HOUSEHOLDER & HOUSEOWNER COMPREHENSIVE INSURANCE
The Houseowners section of the policy is specifically designed to provide cover for buildings, flats and other types of residential accommodation. The Householder's section is specially designed to cover household goods of every description, including furniture, fixtures and fittings, equipment and utensils and personal effects of every description, property of the insured or for which they are responsible as contained in the specification or schedule of the insured items. The policy can be extended to cover larceny.
Back to topThis policy provides compensation for loss or damage to certain items of value insured by any accident or misfortune. These includes Wearing Apparels, Jewellery & Personal Ornaments, Trucks & Suitcases, Fountain Pens, Gold & Silver Wares, Surveying Instruments, Tools of Trade, Sports Requisites, Household Effects, Cookery & Glassware, Pictures, Books and Miscellaneous Equipment’s e.t.c.
Back to topThis policy covers the risk of loss or damage inherent in the movement of goods including loading or unloading risks from the point of departure until delivered at destination. The cover granted is practically 'All Risks' including Fire, Lightning, Burglary and other insured perils but excluding loss or damage arising out of perils specifically excluded by the policy such as disappearance. However, some of these exclusions can be added to the policy at extra costs.
Back to topThis form of insurance is intended to provide all risks cover, (subject to certain exceptions) in respect of both temporary and permanent works of all forms of construction, alterations, repairs, maintenance, rehabilitation and all other works carried out in performance of the contract.
The policy provides cover for damages to Temporary buildings whilst on the site of work, Site clearance and/or debris removal or propping up or shoring up , Third Party Liability (for accidental bodily injury or damage to properties arising out of and in the course of performance of the contract, Constructional plants, tools and equipment, Employees personal effects and tools/property meant for the contracts while in transit.
The policy can be extended to cover Materials designed for the contract site while in transit and Architect's and Surveyor's fees.