This policy provides cover to homeowners/householders against loss or damage to the private dwellings/buildings, household goods and personal belongings against fire, theft, riot and strike, malicious damage, floods, explosion, lightning and thunderbolt.
Section I – Fire
It provides indemnity against loss or damage to the residential buildings described, caused by fire, lightning and explosion. This insurance covers residen- tial buildings under mortgage.
Section II – Contents
It provides indemnity against loss of the insured’s contents, furniture, fixtures and fittings, household appliances, clothing items and all other household contents against fire & allied perils and burglary.
Section III – All Risk
It provides indemnity against loss, theft or accidental damage to valuables both within and without the confines of the residence. It provides cover for portable possessions including; jewelry, rings, spectacles, readings glasses, mobile phones, laptops, i-pads, tools, cameras, works of art, amongst other portable items.
Section IV – Domestic Employees
It provides insurance cover to the insured’s employees, both indoor and outdoor workers, in the event of death, bodily injury, and any work injury related medical expenses as per the WIBA Act 2007.
Section V – Owner’s/ Occupier’s Liability
It provides indemnity to the policy holder, as owner or occupier, where they become legally liable to pay for damages arising from and in connection with;
i) Accidental bodily injury or Accidental loss of or damage to property
The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion.
The Burglary policy provides cover against loss or damage to property following forcible or violent entry or exit from client premises..
The All Risks policy provides cover against LOSS OR DAMAGE to specified items.
This policy covers all risks of loss or damage to money by robbery or theft whilst In transit, premises during business hours, In the locked cashbox.
The policy covers the employer against loss of money and/or stock through dishonest acts of employees.
Provides cover is for sudden and unforeseen damage or losses which physically affect the assets client due.
The policy provides cover to the insured against loss and/or destruction/dam- age to glass by accident or misfortune of an accidental character.
The policy covers sudden and unforeseen physical damage or loss due to any accidental electrical or mechanical breakdowns to the insured’s machinery whilst at work.
This policy Covers the contractor for loss or damage to contract works, materials and equipment from insured perils that may occur during the course of construction (of buildings, roads, bridges, dams, and other like infrastructure).
Public Liability Insurance provides compensation to the client in respect of the financial consequence of legal liabilities towards third parties arising out of business activities.
Professional Indemnity Insurance also known as errors & omissions (E&O) Insurance, is a form of liability insurance that helps protect professional advice
Personal Accident insurance provides Compensation for death, permanent disability, temporary loss of income due to disability from an accident, medical expenses and funeral expenses arising from an injury as a result of an accident.
This policy provides for compensation to employees for work related injuries & diseases contracted in the course of employment. It is guided by the WIBA Act 2007.
