Personal Accident:
This policy will provide compensation in the event of Death, Permanent Disability or Temporary Disability due to an Accident. Coverage is worldwide. We can add extra coverage that will pay for medical expenses resulting from an Accident.
Workmen's Compensation:
The Workmen's Compensation legislation provides no-fault benefits in the event of death or injury to a 'Workman' due to an accident at work. Employers can protect themselves in case they are required to pay under the terms of this legislation for injury to an employee by purchasing our Workmen's Compensation policy.
Traveler’s Accident and Hospitalization (Sickness) Insurance:
When someone travels to another country, he may find himself in financial trouble in the event that he suddenly falls ill or incurs hospitalization expenses due to unexpected sickness or an accident. He should purchase our policy and travel with peace of mind. Special rates are available for families and large groups.
Public Liability Insurance:
Any firm or any individual in the normal course of business or other activities may negligently cause damage to the property of others or injury to others. This may result in that person becoming legally liable to such persons whose property has been damaged or who have been injured. Apart from this liability, extensive legal fees may have to be paid. Our Public Liability Insurance policy will pay all sums which a firm or individual may become legally liable to pay as compensation for bodily injury or illness caused to third parties.
Product Liability Insurance:
Any firm that produces, repairs, services or supplies goods or products may become liable to users of such goods if these goods are defective in any way and as a result of such defect, the user may suffer property damage or bodily injury. Our Product Liability Insurance policy will pay all sums that the producer or supplier becomes legally liable to pay in such a case including the legal expenses incurred in defending himself in a court of law.
Employer's Liability Insurance:
An employer may become liable to his employee if due to the negligence of the employer the employee is injured at work. Our Employer's Liability Insurance policy will protect the employer in such a case and will pay all sums that the employer becomes legally liable to pay to his employee as compensation. In addition, it will pay for legal fees incurred in preparing a defence in a court of law. This is similar to Workmen's Compensation Insurance as explained above.
Fidelity Guarantee:
Should a company suffer a direct financial loss as a result of an employee's dishonest activities; our Fidelity Guarantee policy will compensate the company for such loss.
Cash in Transit / Cash in Safe Insurance:
A business may be robbed of cash either during normal business hours or after normal business hours. Money may be stolen whilst in transit between the bank and the office or on any other route. Our Cash in Transit, Cash in Safe and Cash in Drawers policy will compensate the business for such loss. The policy may be extended to cover accidental injury to employees of the business who may be injured during a hold up.
Plate Glass Insurance:
Plate Glass is costly to replace and certain businesses find glass insurance an important part of their insurance portfolio. This applies particularly to retail shops, department stores, showrooms, etc. where shop fronts and window displays play an important role in attracting business. The Glass Policy pays the cost of replacement of all external glass following breakage at the business premises. The Glass Policy may be extended to cover special types of glass which are very expensive to replace such as silvered, wired, ornamental, stained, lettered, toughened and armored glass.