This category of insurance provides coverage against loss of or damage to real or personal property caused by a variety of hazards including Acts of God (wind, flood, earthquake, lightening), fire, riot, strike, civil commotion, malicious damage among others. Policies can provide coverage for Offices, Factories, Workshops, Warehouses, Homes; Plant & Machinery, Equipment, Materials, Goods/Stock, Fuel, Furniture, Fixtures & Fittings.

Motor Insurance provides coverage against financial loss resulting from an accident or other damage in relation to the operation of a motor vehicle. Cover is available for all your private and commercial motor vehicles, including large company fleets.

Business activities can result in claims by employees and third parties to pay compensation for incidents that result in death, injury, or damage to third party properties. Liability policies compensate employees and third parties where the business is legally responsible for the loss and/or damage. Other covers such as Directors & Officers Liability insurance, which provides indemnity to the company or the Directors for claims alleging wrongful acts, errors, misstatements, neglect or breach of duty are also offered.

This policy indemnifies the insured against being liable to pay damages in respect of death or bodily injury sustained by any employee and occurring during the period of insurance. The accident must arrive out of and in the course of the injured person’s employment in connection with the insured’s business.

Public Liability Insurance Policies provide protection to the insured against his legal liability for death or bodily injury to third parties and/or loss of or damage to their property, where such injury or damage occurs during the period of insurance and in connection with the business insured under the policy.

Professionals can be held legally liable for negligent acts, errors or omissions and made to provide compensation to the injured third party.

The purpose of this insurance is to provide cover to the professional person against legal liability to compensate third parties who have suffered damages owing to the professional’s negligence (errors & omissions) or vicariously through his or her employees.

We offer liability insurance for several professional categories such as Doctors, Attorneys, Architects, Quantity Surveyors among others. These covered are arranged through our Local Insurance Companies and approved international partners.

This is a form of insurance which pays a pre-selected scale of benefits for injury or death to the insured person resulting from an accident. In other words, it offers financial protection to the policyholder or other beneficiary in the event of an accident involving the body or life of a person.

Pecuniary Loss is a class of insurance which protects the insured’s financial rights/interest such as revenue, or their financial integrity such as contractual obligations. Two major sub-classes of Pecuniary Loss are Business Interruption and Fidelity Guarantee.

Business Interruption serves to provide cover to restore the insured to the same financial position at which he would have been, had a peril (such as a fire) not occurred. 

Fidelity Guarantee Insurance deals with fraud, dishonesty and other failings of employees of an organisation, resulting in a financial loss to their employers – the insured. 

This insurance covers cargo losses or damage caused to ships, cargo vessels, terminals, and any transport in which goods are transferred or acquired between different points of origin and their final destination. Such policies can provide coverage in the event of a hurricane, accident, vandalism or theft and protects the insured from any liability incurred as a result of operating such a vessel.

We can arrange cover for your Marine Cargo, Pleasure Crafts and small Commercial Aircrafts through our specialist International markets and/or local Insurers.

Bond Insurance assists businesses with meeting their financial commitments or obligations and protects their relationships with service providers and other companies, in the event that unforeseen expenses and liabilities were to occur.

We offer a wide range of bond Insurance, from Bid Bonds to Performance Bonds as well as Guarantee Bonds for Warehouse Operators.

Engineering insurance is a comprehensive insurance which provides protection against risks associated with erection, resting and working of any machinery, plant or equipment.

Cyber Insurance covers a range of possible risks which exist in Cyber Space: Security & Privacy Liability; Multimedia & Intellectual Property Liability; Technology Services; Network Interruption & Recovery; Misc. Professional Fees; Event Support Expenses; Privacy Regulatory Defense & Penalties; Network Extortion; Electronic Theft, Computer Fraud, Telecommunications Fraud; Social Engineering Fraud & Reputational Damage.