HOME/BUSINESS RISKS

A.     FIRE & SPECIAL PERILS
 
Risk Covered: Payment of compensation for loss or damage to the insured items caused by Fire, lightning, explosion, flood damages, storms, earthquake, riot strike & civil commotion and other related natural consequences.

What can be insured:  Building, all movable and immovable contents therein, including but not limited to furniture, household fittings and fixtures, electronic equipment and home/kitchen appliances of every description etc

Details Required:       
Location address of items to be insured*
Description (Make & Model) of items to be insured*
Current Market Value of items to be insured*
Date items insured is purchased


B. BURGLARY & HOUSEBREAKING OR THEFT

Risk Covered: Payment of compensation for loss or damage to the insured items following housebreaking and/or by forcible entry or exit from the insured premises.

What Can be Insured: All movable items including but not limited to home appliances of every description, furniture, fixtures and fittings, electronic equipment and kitchen appliances.

Details Required:       
Location address of items to be insured*
Make and Model of items to be insured*
Value of items to be insured*
Date items insured is purchased.

 

C. MONEY OR CASH

Risk Covered: Compensation for loss or damage to cash whilst in transit to and from office/home/bank/customers/sites; in and out of safe; and in personal custody of specified individuals.

What can be insured: Currencies, and other similar fidicuary instruments legal tenders

Details Required: 
Probable Total Annual Cash/Currency Movements
Probable Maximum Cash/Currency to be carried at a time. Probable Maximum Cash to be kept in/out of safe at a time Probable Maximum Cash that can be in personal possession of named person(s) or number of individuals to be covered.

 

D. FIDELITY GUARANTEE

Risk Covered:             Payment of compensation for loss or damage to an employer (or for which an employer may be responsible) due to the infidelity act of the employee(s) directly or indirectly arising from fraud, embezzlement act of the employee, or while the employee(s) acts in connivance.

Who can be insured:   Individual Employee(s); Group of Employee(s); All Employees

Details Required:       
Probable Annual Total loss due to insured Employees Infidelity.
Probable loss due to the employee infidelity in one event. Name(s)/Position(s)/No of employees to be covered.

 

E. GOODS-IN-TRANSIT/MARINE INLAND RISKS

Risk Covered: Payment of compensation for loss or damage to insured goods whilst in transit from point of loading to final destination within the country.

What can be insured: Any consignment of value being carried by road, rail, air, and waterways within the area of jurisdiction covered.

Details Required:  
Probable Total Annual Value of Goods to be moved
Probable Maximum Value of Goods to be carried at a time.
Descriptions of possible items to be moved
Mode of transportation: (Road, Air, Rail, Water), and
Ownership of means of Transportation: (Owned or Hired)
Frequency of transit: single transit? or more frequent  transits (please indicate probable time per: week/month/year)

 

F.     PLANTS ALL RISKS

Risk Covered: Payments of compensation for all losses or damages to plants and machineries of various descriptions..

What can be insured: Electric generators, Graders, Earth moving machines, Water Treatment Plants and other specialized equipment.

Details Required:       
Location Address of items to be insured*
Description (Make & Model) of items to be insured*
Current Market Value of items to be insured*
Date items insured is purchased

 

G     ELECTRONICS/COMPUTER ALL RISKS

Risk Covered: Payment of compensation for loss or damage to high valued items that are highly susceptible to damages and/or frequently moved about.

What can be insured: Computer hardware and/or related accessories, laptops, mobile phones Pabx machines, photocopiers, cameras and other fragile hospital equipment

Details Required:       
Description (Make & Model) of each items to be insured*
Current Market Value of each items to be insured*
Date each item to be insured is purchased

 

H.     HOUSEHOLDER/HOUSEOWNER COMPREHENSIVE

Risk Covered:  Payment of compensation for (i) loss or damage to insured items caused by  fire, lightning, explosion, flood damages, storms, earthquake, riot strike & civil commotion and other related natural consequences or (ii) loss or damage following housebreaking and/or by forcible entry or exit from the insured premises. (iii) personal legal liabilities of the owner/occupier of the insured building to their neighbour, visitors and guest and (iv) Personal Accident to the owner/occupier of an insured building leading to death/incapacitation or specified expenses.

What can be insured: (i) Building, and/or (ii) all movable and immovable contents of the building such as furniture, household fittings and fixtures and home appliances etc (iii) general third party legal liability arising from ownership/occupation of an insured building (iv) death permanent disability, temporary disability, medical expenses and burial expenses in respect of the insured person and the family arising from accidental means such as armed robbery attack, etc.

Details Required:       
Location address of items to be insured*
Description (Make & Model) of items to be insured*
Current Market Value of items to be insured*
Date items insured is purchased
Limit of Liability to be paid in the event of legal action
Benefit desired for death and permanent disability, temporary
disability, medical expenses, and burial expenses following an accident to the insured person.

 

If you can please provide us with the  appropriate details required under each highlighted risk, we will promptly forward to you competitive premium quotes that will enable you appreciate the affordable cost of risk transfer mechanism that will make you take  appropriate decision on your insurable risks accordingly

 

 

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