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GENERAL INSURANCE


  • Fire and Allied Perils
An integral part of buying and owning property is having the right insurance. This policy goes further than damages and losses caused by fires. It also covers unforeseeable circumstances such as explosions, floods, earthquakes, lightning, riots, aircraft damage, and malicious activity.

Protect your private or commercial property from damages and losses.

Covers the cost of damage and loss for vehicles.

  • Legal / Public Liability
Public Liability insurance is an integral part of running a business, no matter how small it may start out as. This policy covers the cost of injuries or damages caused by the business on individuals or private property.

  • Machinery
The loss or damage of equipment can have an immediate negative impact on any business. This policy covers the cost of fixing or replacing necessary equipment.

  • Deterioration of Stock
Handling inventory comes with risks, especially when it has to be refrigerated. This policy provides coverage over any damages and losses caused to inventory due to a change in temperature.  

  • Business Interruption
Also known as Business Income Insurance, this policy covers revenue loss after a disaster. Businesses under this policy are entitled to the profits they could have earned if it had not been for an unforeseeable disaster. This policy is usually added to other policies such as Property Insurance.

  • Commercial Crime (Money/ Fidelity)
Crime can happen in any business, big or small, so it is important to have the right arrangements and coverage. Extensive policies will cover employee dishonesty, fraud, theft, forgery, and other crimes which can pose a threat against businesses.

  • Marine Cargo and Hull
Transportation of goods is a lengthy and intricate process, and one that requires a comprehensive insurance policy. The right policy will both cover the vehicle and the loss/damages of goods that are transported.

  • Aviation
One of the most important factors to consider when buying or leasing an aircraft is the insurance plan. Aviation Insurance, also called Aircraft Insurance, is a policy that protects the insured from the financial risk and liabilities involved in aviation. It can cover the cost of accidental damages to property and passenger liability.

  • Political Violence
Political Violence Insurance protects the insured against business interruption and financial losses caused by political instability. This includes unforeseeable circumstances such as riots, strikes, and terrorist acts.

  • Special Risks
Special Risk Insurance provides coverage for individuals and businesses who face out-of-the-ordinary risks which aren’t fully covered under other policies.