Fire & General Accidents

The Policy cover the Insured up to the limit of indemnity against direct financial loss sustained by the Insured during the period of insurance by reason of and solely and directly caused by dishonest or fraudulent acts of any employee or employees of the Insured, who must be identified by name, whether committed alone or in collusion.

The Policy cover by either pay to the Insured a sum equal to the value of the broken glass, calculated at the current price of glass at the date of the breakage, up to the value specified in the schedule in respect of the broken piece of glass less value of any salvage, or replace the broken glass with glass of a similar quality, as the Company may determine.

The Policy cover the Insured against losses arising out of Theft, Forcible & Violent Entry to or Exit from the premises Insured or any Attempts Threats.

The Policy cover the insured if the insured shall be violent external and visible means sustain any accidental permanent and\or Partial bodily injury or death as defined on the schedule of the policy.

This policy is more comprehensive, it covers most of the risks which any householder might face

It covers the residential building and its contents against the risk of loss and/or damage caused by:

• Fire , Lightening, Burglary , theft, , natural perils , explosions of domestic boilers, gas cylinders, impact of an aircraft, sandstorms, hurricanes , glass breakage  ..)
• Loss of rent.
• Third party liability in case of harm incurred to the neighbors or visitors.
• Death or total permanent disability of the insured due to any accident caused by any of the perils.

This Insurance cover the insured against legal liability to by final court Judgment at law for damages and claimants’ costs and expenses in respect of death, bodily injury or illness or loss of or damage to property to third party caused by goods sold or supplied, repaired, serviced, tested

This Insurance cover the Insured against sums for which the Insured shall become Legally Liable to by final court Judgment arising out of \or from the insured’s professional services/Duty.

This Insurance cover  the Legal Liability Directors and Officers arising from an actual or alleged wrongful act whilst acting in their capacity as directors and officers of a company.

This Insurance cover  the Insured against all sums for which the Insured shall be Liable if during duty any employee in the Insured’s immediate service shall sustain Bodily Injury or Death arising out of and in the course of his employment by the Insured in the Business.

This Insurance cover the Insured against all sums for which the Insured shall become Liable to by final court Judgment and pays to any employee in his immediate service (or to employee legal heirs) because of Accidental Bodily Injury or Death arising out of and in the course of his employment by the Insured.

This policy is an all risks policy which covers any sudden and unforeseen loss (other than those excluded) to the erection works.

It is issued for the project’s owner, main contractor and sub contractors It also covers the insured against sums which the Insured shall become legally liable to pay to a third party for (accidental Bodily Injury or illness –  accidental property damage   )

This policy is an all risks policy which covers any sudden and unforeseen loss ( other than those excluded ) to the contractors equipment while in the site

This policy covers any unforeseen and sudden physical accidental loss or damage to machinery from internal fire , electrical or mechanical breakdown during working .  any cause other than those specified excluded in the schedule.

This policy covers any unforeseen physical loss of, or damage to, any part of the items described in the Schedule, from any cause whatsoever other than those specifically excepted, the Insurers will pay for all such loss or damage up to un amount not exceeding in respect of each of the items the sum set opposite thereto in the Schedule and not exceeding in all the total sum insured.

This policy covers the material damage to Goods kept in cold storage which deteriorate due to any unforeseen and sudden accidental physical loss of/or damage Machinery breakdown unless not obviously been excluded in the policy.

This policy covers loss of Profit incurred by a firm/Establishment following the breakdown of Machinery.