Corporate Property Insurance
Fire and Allied Perils
This provides cover for loss or damage to property described, caused by fire or lightning. The policy is extended to cover riots, strikes, malicious damage, storm earthquake, and impact by vehicles and other perils. It covers assets such as buildings, plant and machinery, stock insurance, furniture, fixtures and fixtures and fittings and other office equipment.
This cover provides financial compensation when there is interruption of business operations as a direct result of the perils covered under the fire and perils policy.
This provides indemnity against loss or damage to property following forcible or violent entry or exit from the insured’s premises. This covers assets such as office equipment, stock in trade, furniture, fixtures and fittings.
Provides indemnity against accidental loss or damage to specified items as a result of any cause within the geographic area specified in the policy. This includes theft, riot and strike, breakage and any other cause not excluded under the policy.
Money Insurance Cover
This covers loss of money through robbery or theft whilst:
- In transit from premises to the bank and vice versa
- In premise during business hours
- In premises in locked safes / strong rooms during / outside business hours
- In custody of authorised employees or directors
- Revenue stamps and contents the franking machines
- Damage to safes and / or strong rooms
Motor (Pedal Cycle)
Provides indemnity against loss or damage to any pedal cycle of up to 250cc; as a result of any cause as specified in the policy.
Marine Cargo Insurance Cover
Provides cover in respect of loss or damage to insured’s goods whilst in the high seas and /or while carried on road and/ or on rail. Maine cargo can be in respect of imports or exports. Cover provided is mainly from Warehouse to Warehouse unless specifically mentioned.
Marine Hull & Aviation.
Provides cover to the vessel or aircraft. It extends to cover third party liabilities (Injuries/damage to property emanating from the incidences.
Goods in Transit.
This provides cover for the loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy. Cover can be taken for one off transit or can be an annual cover.
Political Violence, sabotage and Terrorism
This insurance provides cover to physical loss or damage to insured’s property or for which the insured is legally responsible directly caused by one or more of the following perils:
- Act of Terrorism
- Riots, Strikes and / or Civil Commotion
- Malicious Damage
- Insurrection, -Revolution or Rebellion
- Mutiny and/or Coup d’Etat
- War and / or Civil War
Cover can also be extended to cover an insured person in respect of injuries caused by violent accident external and violent means arising from the perils listed above.