MOTOR INSURANCE

covers the loss or damage to insured vehicles as a result of fire, theft, vandalism, accidental damage or collision and third-party liabilities death, bodily injury and property damage.

MARINE HULL INSURANCE

It covers the 'hull' or body of the ship from risks like grounding, collisions, piracy, sea storms, etc., and will provide financial reimbursement if the ship or its machinery/equipment is damaged in any way due to these events.

MARINE CARGO INSURANCE

covers the risks of loss, damage, expense and liability to your goods during transportation as cargo from one place to another place.

FIRE & SPECIAL PERILS INSURANCE

covers loss or damage by fire, lightning, explosion/implosion, destruction or damage caused by aerial devices, riots, strike, storm, flood, damage caused by impact by a rail or a road vehicle, bursting and/or overflowing of water tanks, apparatus and pipes and bush fire.

GOODS IN TRANSIT INSURANCE

covers the risk of loss or damage inherent in the movement of your goods while loading or unloading from the point of departure until delivery at destination. The cover granted is practically “all risks” including accidental damage, fire, lighting, burglary and any other perils not excluded from the policy.

BUGLARY & HOUSEBREAKING INSURANCE

covers the insured against loss or damage to his property accompanied by actual forcible and violent breaking into or out of a building or any attempt threat.

HOUSEOWNER/ HOUSEHOLDER INSURANCE

designed for homeowners, it covers both the building/structure and contents of house. Protects against perils like accidental damage, fire, lightning, theft, and natural disasters.

HOUSEHOLDER INSURANCE

designed for householder/tenants, it covers the contents of house. Protects against perils like accidental damage, fire, lightning, theft, and natural disasters.

MONEY INSURANCE

provides cover for loss of money in transit between the insured’s premises, bank and other specified places occasioned by robbery, theft or any other fortuitous causes.

CONTRACTOR’S ALL RISK INSURANCE

it is for building or civil engineering project under construction. It provides for protection against accidents resulting in physical damage to or the destruction of works in progress, materials and other similar items brought to the site.

PLANT ALL RISK INSURANCE

cover for plants, equipment and machinery against unforeseen physical loss or damage that may arise from the occurrence of perils that are not specifically excluded from the cover. Such losses include, Fire, Lightning, explosion, burglary and accidental damage.

BONDS

bond is not an insurance policy per se but essentially a form of financial guarantee. It is a guarantee by one party (the surety or guarantor) to another party (the person requesting for the bond) that a third party (the person/company applying for the bond) will meet its contractual obligations.

TRAVEL INSURANCE

Travel insurance is a special type of protection you can buy before you go on a trip. It helps you if something goes wrong while you are on your trip. It offers protection during trips, covering trip cancellation, medical emergencies, and lost luggage.

DIRECTOR & OFFICELIABILITY INSURANCE

This policy protects company directors and officers from personal financial liability in case of law suits related to their management decisions and actions.

FIDELITY GUARANTEE INSURANCE

The policy indemnifies the insured in respect of loss of money, goods and/or stock arising from dishonesty, larceny, embezzlement and fraudulent conversion of money and goods of the organization by its staff protects business against losses caused by employee dishonesty, theft, or fraud. Aid in recovering stolen assets.

CREDIT LIFE INSURANCE

is designed to secure financial institutions and other organizations granting consumer loans/credit against the risk of death/total permanent disability of their loan holders/borrowers while the loan is still being repaid.

PROFESSIONAL INDEMNITY INSURANCE

Professionals like doctors, accountants or lawyers use this to protect themselves against claims of professional negligence or malpractice.

GROUPLIFE ASSURANCE SCHEME

The group assurance plan is arranged to pay a benefit called the sum assured, which is a lump sum payment to a dependent of a deceased member of the scheme.

HEALTH INSURANCE

It provides individuals and families with access to quality healthcare, cost savings, and peace of mind. It offers access to primary, secondary and tertiary care at top tier hospitals nationwide.

GROUP PERMANENT ACCIDENT

The policy provides compensation for persons/employees against bodily injury by violent, accidental, external, and visible means resulting in death, permanent or temporary disablement. It provides cover for 24 hours of the day.