The Personal accident policy provides compensation for those insured for death or injury arising from accidental violent, external and visible means. A capital sum is payable for death and permanent disablement, with lesser sums for partial permanent disablement such as loss of a limb or an eye.

The policy is usually extended to include a weekly benefit up to 104 weeks if the insured person is temporarily totally disabled due to an accident from engaging in his usual occupation.

Cover is also available for medical expenses necessarily incurred as a result of the accident.

This Policy unlike the Employers liability policy operates for 24 hours a day.

In addition to the purchase of personal accident insurance by individuals, it is also possible for companies to arrange cover on behalf of their employees. Many organizations arrange group schemes for their members

This is a special policy designed usually for corporate clients who want a complete insurance package to cover a wide range of risks. This policy will cover accidental loss of or damage to client's property or assets arising from a very broad spectrum of causes. The cover is restricted only by the specific exclusions written in the policy.

It can be designed to include fire, lightning, flood, theft, malicious damage, earthquake, riots and strikes, burst pipe, impact, and many others.

Our Burglary policy covers stock - in - trade, fixtures and similar property against theft involving entry into or exit from the premises by forcible and violent means.

Damage to the premises liable to be borne by the insured as a result of such theft or any the attempt is also covered by the policy.

This policy covers money in a locked safe or strong room against accidental loss, damage or destruction from any cause including fire which is not specifically excluded whilst

Money in this regard is expressed to include cash, bank and currency notes, cheques, postal and money orders,

The fire policy covers only the physical loss or damage to the property insured but does not cover loss of profit arising from such physical damage. As a result of the loss or damage to the physical assets, the Insured is unable to carry out its planned level of business, thus leading to a fall in gross profits.

This policy is designed to cover during the period of interruption:

1. Net Profit lost in consequence of the interruption of your business
2. Standing charges (such as rent, taxes and interest on loans) which continue to be payable by your business to the extent they are no longer earned by the residual trading.
3. Wages of employees not gainfully employed but need to be retained during the interruption period.
4. Increase in the cost of working necessarily incurred to overcome or to minimise the effects of damage upon the business such as renting of temporary premises, hiring of machinery or extra labour costs.

Besides where your business is dependent partly upon the continued existence of the premises of suppliers, customers or other persons or bodies from whom you receive services or facilities, the policy can be extended to cover loss resulting from damag

This is a package policy covering all risks to which a construction firm is exposed.

Section I of the policy covers property insured on the project site against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

Section II indemnifies you against sums you shall become legally liable to pay as damages consequent upon accidental bodily injury to or illness of third parties and accidental loss of or damage to property belonging to third parties occurring in direct connection with the construction items insured and happening on or the immediate vicinity of the site.

We design customized policies to cover projects and other special assignments. We invite you to call on us to discuss any such issues. We are very open-minded and will propose a solution to suit your requirements.

The Customs, Excise and Preventive Service (CEPS) may require certain Bonds from you in the course of your Import and Export business; we would provide you with any such Bond whenever demanded.

This policy is specially designed to cover electronic/electrical systems like communication facilities, computers and other electronic data processing equipment against any unforeseen and sudden physical loss or damage by any cause (other than the exclusions specified in the policy), in a manner necessitating repair or replacement.

This policy provides indemnity in respect of an employer's legal liability to his employees for occupational injury or disease. Both the Workmen's compensation Law of 1987 and the Common Law impose certain legal obligations on employers. The Law imposes strict liability on all employers.

Under the Law, an employer must pay compensation in accordance with the provisions of the Law where an employee is injured or killed in the course of and arising out of his employment.

The Erection policy offers all risks cover for Plant, Machinery, and equipment or Steel Structures in the course of installation including commissioning and testing.

Third Party bodily injury or property damages are also covered.

The Fidelity Guarantee policy has been designed to make good and reimburse the employer's losses of money by reason of fraud or the dishonesty of their employees in connection with their employment.

Our Standard Fire Policy covers Loss or damage to your property caused by Fire, Lightning and Explosion (of gas or boiler used for domestic purposes).

The policy is usually extended to cover the following extraneous perils like earthquake,windstorm Flood,Explosion,Riot, Strike and Civil Commotion, Bursting or overflowing of water tanks pressured equipment or pipes, Malicious Damage.Impact by road vehicles and animals, Aircraft and other aerial devices or articles dropped there from

The property to be insured may consist of the following physical assets: Buildings, Furniture, fixtures and fittings, Plant, Machinery and Equipment, Office Equipment, Stock-in-trade from raw materials to finished products.

In addition, the following expenses which may be incurred following the occurrence of an insured peril can also be insured: Cost of Removal of debris, Architects, Surveyors and Consultant Engineers' Fees.

This policy indemnifies the insured for loss of or damage to merchandise in transit by fire, accident and theft or pilferage following an accident to the carrying vehicle.

Our marine policies are for insuring your cargo against all types of losses that may occur; this ensures that your investments are safe. This policy may also be taken to cover air cargo and other types of freight.

There are two main types of policies, namely open covers and single covers.

Open covers may be taken for importers whose imports are frequent; under this arrangement the importer takes one master policy to cover his imports, and makes periodic declarations as and when he makes imports.

The single cover may be taken for each import, and is normally suited for those whose imports are not very frequent.

This policy covers money which is expressed to include cash, bank and currency notes, cheques, postal and money orders, against accidental Loss, Damage or destruction from any cause including fire which is not specifically excluded whilst: -

1. In transit, being carried by the insured or his authorized representative or sent by registered post. This is referred to as cash-in-transit
2. On the insured premises during business hours. This is referred to as hold-up
3. In a locked safe or strong room. This is referred to as cash-in-safe

The minimum requirement by law (the Motor Vehicles (Third Party Insurance) Act of 1958) is to provide insurance in respect of legal liability to pay damages unlimited in amount for death or bodily injury caused to any person, arising out of the use of a motor vehicle. Under Motor Insurance we have the following levels of covers:

Third Party only, Third Party Fire & Theft, and Comprehensive

Third Party only
The policy indemnifies you and any permitted driver in respect of your legal liability to third parties for death, injury or property damage. The minimum limit for damage to property is 10 million and could be reviewed upwards at your request.

Third party Fire and Theft
In addition to the cover provided by the Third Party Policy described above, this policy provides cover for damage to your vehicle itself from fire or theft.

Comprehensive
The comprehensive policy adds accidental loss of or damage to the vehicle to the third party, fire and theft cover.

Motor Trade Road Risks
This policy protects Garage Owners and vehicle repairers against their legal liabilities whilst using their customers' vehicles on the road as the indemnity provided by the policies covering such vehicles are not available to them.

Motor Trade Internal Risks
This policy provides the cover described above when the vehicle is in the workshop.

Similar covers are available for Motor Cycles.

This is a package policy specifically designed for your home. It covers your building and its contents against the risks of Fire, Lightning, Explosion, Earthquake, Riot and Strike, Civil Commotion and Tornado or Windstorm, Flood, Malicious Acts, Bursting or overflowing of water tanks, damage caused by aircraft or other aerial devices as well as Theft.

Besides it has a free Personal Accident cover as well as a cover for cost of alternative accommodation in case your premises are rendered uninhabitable as a result of the occurrence of an insured peril.

The policy also provides cover against your legal liability as a property owner, occupiers' liability as well as liability to your domestic staff.

It has frequently been held by the Law Courts that the highest possible standard of care and accuracy is required from a professional who accepts a fee for giving advice on technical matters. The Professional Indemnity Policy provides cover for the Insured's legal liability for financial loss incurred by a third party arising out of the advice given by the Insured in a professional capacity.

This insurance is designed to cover all sums which the Insured shall become legally liable to pay as compensation for accidental bodily injury and/or damage to property of any third party arising out of and in connection with the Insured's business. In addition, all costs and expenses of litigation recovered by any claimant against the Insured or incurred with our written consent are covered.