Accident:
Personal
GENERAL:
This provides
compensation in
the event of
accident
causing:
1. Death
2. Loss of
limb(s), eye(s)
3. Permanent
Total
Disablement
4. Temporary
Total
Disablement
--------------------------------------------------------------------------------
Travel:
(Top)
This covers the same
as above plus
loss of Personal
Baggage and
Medical
Expenses.
--------------------------------------------------------------------------------
Fidelity:
(Top)
This compensates
against loss - by
reason of
dishonesty,
fraud and
failure in the
loyal
performances of
a duty - of
persons holding
positions of
trust in a
business.
--------------------------------------------------------------------------------
Machinery:
ALL
RISK
(Top)
This provides
compensation for
loss of, or
damages to,
mechanical plant;
including
excavators,
lifts,
bulldozers etc.
Coverage is also
provided against
fire and theft.
--------------------------------------------------------------------------------
Fire
(Top)
Commercial:
This provides
protection for
businesses on
Building,
Machinery/Plant,
Equipment, Stock,
and Spare Parts
in the event of
Fire, Hurricane,
Earthquake,
Riot, Strike,
Civil Commotion,
Flood, Water
Damage, Aircraft
Impact,
Malicious
Damage, Vehicle
Impact Damage,
and Sea Wave.
Coverage can also
be provided for
Business
Interruption,
Loss of Profit,
and Loss of
Rent.
Homeowner:
This provides
Comprehensive
coverage - on
Buildings,
Contents, or both
- for the
policyholder.
Other benefits
include Public
Liability,
Burglary, Loss
of Rent, Removal
of Debris, and
Architects and
Surveyors Fees
etc.
--------------------------------------------------------------------------------
Motor:
COMPREHENSIVE
(Top)
Private:
This relates to
Private vehicles
used for social,
domestic, and
pleasure
purposes. It
provides
coverage against damage
caused by:
Accidental
collision,
Malicious
Damage, Fire,
Theft, and
Liability to
Third Parties.
Medical
Expenses, Loss
of or Damage to
accessories,
clothing and
personal
effects,
Windshield
Damage, and Act
of God are also
included in the
Comprehensive
coverage.
Commercial:
This provides coverage
for all
Commercial
vehicles e.g.,
Taxis, Rental
Cars, Vans,
Vehicles used
for transporting
goods etc.
Coverage includes:
Loss of or
Damage to the
vehicle and its
accessories and
spare parts by
accidental
collision,
Malicious Act,
Fire, Act of God
and Liability to
Third Parties.
--------------------------------------------------------------------------------
Workmen's
Compensation
- Employers
Liability
(Top)
This compensates the
employer for
damages he is
legally liable
to pay for on-the-job injuries
to employees or
their
representatives,
in the case of
fatal injury.
This covers
compensation for
wages, medical
bills, funeral
expenses on
death, and
artificial limbs
if there is
severance etc.
--------------------------------------------------------------------------------
Public
Liability
(Top)
This
is designed
primarily to
provide coverage
to the
policyholder in
respect of
liability at law
for accidental
bodily injury
to, or
accidental
damage to the
property of
another.
--------------------------------------------------------------------------------
Burglary
(Top)
This covers against loss of
or damages to
property by
theft, following
entry to or exit
from the
premises by
forcible and
violent means.
This policy also
covers damage
sustained by the
premises, in the
event of theft
or attempted
theft.
--------------------------------------------------------------------------------
Plate - Glass
(Top)
This compensates for
accidental
breakage of
glass in
windows, doors,
etc., to the
extent of its
market value but
not exceeding
the amount
insured. Cover
can also be
provided for
lettering,
writing, and
other ornamental
works.
--------------------------------------------------------------------------------
Money
(Top)
This grants an
indemnity
against LOSS OF
MONEY (i.e. Cash
Bank Notes,
Currency Notes, Cheques, Postal
Orders, Money
Orders) by any
cause whatsoever
whilst in
transit, and in
the
Circumstances or
Situation
described in the
policy.
--------------------------------------------------------------------------------
Contractors
- All Risk
(Top)
This provides All
Risk cover in
respect of both
temporary and
permanent works
in the course of
construction by
the contractor
until the work
is completed.
Maintenance
Period,
Materials,
Machinery, and
Third Party
Liability are
also covered.
--------------------------------------------------------------------------------
