General Business

General business covers protect individuals and property against financial losses from potential risks. Getting any of the general insurance will leave your mind at peace.

Products Include:

Domestic Package Insurance

The Domestic package insurance gives protection to the homeowners/renters against loss or damage to the private dwellings/buildings, household goods and personal belongings against fire, theft, riot and strike, malicious damage, floods, explosion, lightning and thunderbolt.  It also offers personal liability to third parties by the insured, workmen's compensation to domestic servants and golfer’s liability.

Asset All Risk

This cover provides indemnity against loss or damage to specified items as a result of any cause within the geographical area specified in the policy. This includes theft, fire, riot and strike breakage and any other cause not excluded under the policy.

Burglary Insurance

The Burglary policy provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises.  Assets such as office equipment, stock in trade, furniture fixtures and fittings.

The Burglary policy provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises.  Assets such as office equipment, stock in trade, furniture fixtures and fittings.

Consequential Loss

Also known as Business Interruption. It is concerned with paying for the consequences of a material damage loss. When the property is used for business purposes, the trader due to damage looses his productive capacity or future earning power which is of paramount importance to him.  The normal business activities may even cease or be curtailed drastically and the gross profit reduced or eliminated.  The Con-Loss Insurance therefore enables the Insured to recover gross profit due to a reduction in turnover and reasonable additional expenditure incurred in minimizing the reduction in turnover.


i. Consequential Loss (Fire & Perils)

Loss of profits following business interruption by fire and or other perils insured under the fire policy.

ii. Consequential Loss (Engineering)

Loss of profits following business interruption by breakdown of Machinery insured under the Engineering Machinery Breakdown policy

Electronic All Risk

This policy provides coverage to your electronic equipment including computers against sudden and unforeseen physical damage to the equipment in a manner necessitating repair or replacement. Electronic equipment constitutes all electrical equipment that consumes low electrical current. Cover includes mechanical or electrical breakdown, faulty material, faulty design, lightning and over voltages.

Fire & Allied Perils

The basic Fire policy provides indemnity against loss or damage to property described, caused by fire, lightning and explosion.  However, the policy can also be extended to cover riots, strike, malicious damage, storm, earthquake, impact by vehicles, aircraft and other aerial devices, subterranean fire, spontaneous combustion, explosion of industrial boilers and economizers, flooding, water damage due to bursting or overflowing of water tanks, apparatus, and pipes.

This insurance covers assets such as buildings, plant and machinery, stock insurance, furniture fixtures and fittings and office equipment.


Banks and other financial institutions face a higher level of exposure to financial loss resulting from criminal behavior than most other institutions.  Employee theft, embezzlement, forgery, hold up and fraud are all real risks in today's business environment and even more so in the financial sector. The Bankers Blanket Bond policy addresses these risks.

As the name implies this is a comprehensive crime and Fidelity package designed specifically for banks and other Financial Institutions. We deal with reputable and financially sound Underwriters.

Travel Insurance

Travel insurance cover is tailored to cover Accidental Injuries, medical expenses, losses of personal effects and travel delays, hijack, personal liability and legal expenses etc.

Extent of coverage:

  • Personal Accident whilst in flight/public conveyance or 24 hours for Death or Permanent Total Disability.
  • Medical Expenses and Assistance Services including transmission of urgent messages and consular referral.
  • Medical Assistance and direct payment of In-Patient and Out-Patient medical bills.
  • Transport and Repatriation.
  • Hospitalization allowance.
  • Hijack.
  • Cancellation and/or curtailment.
  • Loss of luggage.
  • Delay of luggage.
  • Travel delay.
  • Loss of cash and/or documents.
  • Personal Liability and legal expenses.

Types of Cover under Travel Insurance:

Student Cover:

Students travelling abroad for studies or students travelling on organized trips.

Individual Cover:

Individuals travelling on business or pleasure trips for short-term and long-term periods.

Group Cover:

A group of 10 or more people travelling on an identical itinerary.

Corporate Cover:

A company would effect travel cover for their staff. A deposit premium is made at the inception of the cover.

Terrorism & Sabotage

Indemnity against loss and or damage to property, business interruption arising from the following perils:

  • Act of terrorism
  • Sabotage
  • Riots, strikes and/or civil commotion
  • Malicious damage
  • Mutiny and/or coup deter
  • War and/or civil war

What is covered

  • Buildings
  • Machinery
  • Stock in trade
  • Motor vehicles
  • Loss of profit

Plate Glass

The policy provides indemnity to the insured against loss and/or destruction/damage to glass by accident or misfortune of a fortuitous character. There are options either to replace the broken glass according to description or to pay the sum equivalent to the value of the broken glass at the time of loss, destruction or breakage up to the insurance value. Cover can be arranged for cabinet glass, display signs, fixed glass and glass partitions on premises.

Golfers Insurance

The insurance provides cover against the following contingencies happening on a golf course or club premises: golfing equipment & personal effects, personal accident, liability to the public, fire theft, all risks, hole - in - one and medical expenses.