Personal Accident

Provide compensation for bodily injury, solely and directly caused by accidental, violent, visible and external means, and which shall within twelve (12) calendar months result in death, disablement or the incurring of medical expenses.

Fire and allied perils insurance

This policy provides cover for insured property against loss , destruction or damage caused by Fire or Lightning, earthquake Riot and strike, malicious damage, bush fire, spontaneous combustion, standard explosion and special perils such as such as hail, snow, wind, hurricane, cyclone, tornado, rain damage as a result of flooding, overflowing of guttering, bursting and […]

Erection All Risks

Provides cover against loss arising out of the erection and installation of machinery plant and steel structures, including physical damage to the contract works, equipment and machinery, andliability for third party bodily injury or property damage arising out of these operations

Motor Cycle insurance

Indemnification of insured against loss of or damage to the Motor Cycle and its accessories and spare parts.

Motor Private vehicle insurance

Cover for Loss of or damage to the vehicle(s) or its/their accessories and spare parts while in or on the vehicle used for private purposes.

Motor Commercial vehicle insurance

Cover for Loss of or damage to the vehicle(s) or its/their accessories and spare parts while in or on the vehicle used for commercial purposes.

Bailee Insurance

Bailee’s customer insurance protects businesses against damage, destruction, or loss of customer property while it is in their possession. A bailee may be any person or business who has been given temporary custody of someone else’s property.

Carriers legal liability

The policy covers the insured against legal liability for accidental loss or damage to goods in the custody or control of the insured while being transported either by road, rail or other specified means.


Combination of the workmen injury benefit act (WIBA) and Group Personal Accident (GPA) to give an employer a one stop solution for employee insurance. Covers workplace and off-duty risks by ensuring 24 hours coverage. The accidental injuries, disease, death which arise during working hours are covered under the WIBA while accidental injuries and death which […]


Cover the employees of the Insured whilst on duty and engaged in the execution of the Insured’s business &/or any project undertaken by the Insured, against accidental bodily injury, disablement or death.

Employer’s liability (Common Law)

Offers protection to employers for their legal liability under Common Law, for damages and claimant’s costs and expenses of lawsuits filed by an employee. We reimburse expenses which may be incurred while defending any such actions/lawsuits.

Public Liability

Protects insured against legal liability to members of the public arising from either death or bodily injury to third parties and loss of or damage to third-party property. Covers mainly accidental death of or bodily injury or disease contracted by any person, accidental loss or damage to material property which occur through the fault or […]

Professional Indemnity

The cover protects professionals who become legally liable as a direct result of any negligent act, error or omission made during the performance of duties as a professional.

Products Liability

Covers claims by third parties alleging that a product you made or sold is defective, and caused them to sustain bodily injury or property damage or death Protects against claims of personal injury or property damage caused by products sold or supplied through your business

Motor Insurance

Cover against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from road incidents. Cover for both private and commercial vehicles, trucks, motorcycles, and other road vehicles. Events covered include vandalism, fires, and rockslides on twisting mountain roads and any other that is not excluded in the policy […]

Golfers (Sportsman)

Cover against any sudden and accidental damage of sports equipment, clothing, accidents caused by the insured whilst playing, damage to property, personal accidents and hole-in-one incidents subject to exclusions as per the policy schedule of exclusions.

Pedal Cycle

Cover you against theft and accidental damage or breakdown of your pedal cycle plus public liability cover while you use your pedal cycle

Plate Glass

Covers accidental breakage of and damage to fixed plate glass on business premises which arise out of fire, malicious damage, riots and strikes, breakage from vehicles, animals and nature related events.

Marine open cover

This cover provides a blanket cover against loss or damage to all goods transported by a specific carrier, or by a specific shipper, during a stated period. The terms applicable in the policy are agreed in advance at the beginning of the policy period but premiums are charged as and when the actual shipment is […]

Goods in transit

Cover against loss or damage to property associated with loading, actual transit and storage incidental to the transit. This cover is restricted to goods being transported within the country or within the region as specified in the policy schedule.

Marine Hull

Insurance cover for water vessels (Yatch, boat and ship). The cover is against loss or damage to the hull, engines and accessories caused by perils of the sea, rivers, lakes or other navigable waters. It also covers loss by fire, theft, jettison, piracy, explosion, and malicious acts. The cover may be extended to cover Third […]

Marine Cargo

Marine cargo insurance protects goods from the risk of loss, damage, pilferage and theft during transit by sea, land and air from the port of origin to the final destination

All risks

Covers everything (any peril), except the perils which are clearly listed under the exclusions


Indemnify the insured against the loss of or damage to the property insured arising from burglary or housebreaking as defined in the policy. Exclusions are not covered.

Fidelity Guarantee

Cover the employer against loss of money, loss of stock or property which might result from acts of dishonesty by an employee in the course of employment

Cash In Transit (Money)

Cover against loss of money while in the insured premises locked in a safe, in transit en route to a final destination and while in custody of and authorized employee.

Political violence & terrorism insurance

Covers physical loss or damage to building and contents which belong to the insured. Protects insured against act of terrorism, sabotage, riots, strikes, and/or civil commotion, looting, malicious damage, mutiny and/or coup deter and war and/or civil war.

Industrial All Risk (Fire)

This is an all risks policy covering wide range of perils such as fire and allied perils, fire loss of profit, burglary and accidental damages.

Fire Loss of Profit Insurance

Covers loss of profit upon business interruption due to fire or other extended perils covered under the policy schedule.

Domestic Package insurance

Building: covers damages to the residential premises including but not limited to fixtures and fittings and the following, in so far as they form part of the property; walls, gates, fences, terraces, patios, drives, paths, carports, garages and outbuildings. Contents: Accidental damage or loss of household goods, personal effects, including but not limited to valuables, furniture, fixtures and fittings (including interior […]

Contractor’s All Risks Insurance

Covers insured against accidental property damage and third-party injuries which are the primary risks associated with construction projects. In particular, the policy protects insured against improper construction of structures, damages that occur during renovation and damage to temporary work erected on-site. Third party liability which arise out of injuries to subcontractors working at the construction […]

Deterioration of Stock insurance.

Covers against accidental loss or physical damage to goods stored in specified cold storage facilities. In particular, the policy covers against loss arising out of accidental change in temperature due to breakdown or damage of refrigeration equipment.

Boiler and pressure vessel Insurance

Covers against accidental damage to boilers & pressure plant, surrounding property and third party legal liability due to explosion and collapse of the boiler or pressure.

Electronic Equipment Insurance

Covers accidental loss or physical damage to electronic equipment The protection is against all accidental damages and natural calamities like fire, lightning, explosion, war, cyclone, earthquake, flood, landslide, rockslide etc. Any electrical and mechanical breakdown

Machinery Breakdown Insurance

Covers accidental breakdown and physical damage of the machinery, the cost of repairs or replacement of the damaged machine parts.

Contractors Plant and Machinery

This policy will protect you as the contractor against accidental loss or damage to contract works, contractors’ plant and machinery and material on site during construction period. You may extend the policy to include protection against third party liability which may arise out death or damage of property due to the contractor’s negligence.