Trade credit insurance provides cover against the risk of default by customers who buy on credit. The policy pays out a percentage of the uncollected debt and thus ensuring that your business continues to enjoy sound cash flows.
Our clients include the following:
Construction projects entail investing huge amounts of capital, expertise and time. The project principals, contractors and sub-contractors are all exposed to any unforeseen interruption, damage or destruction of the works during the construction period or after completion. There is also a huge risk during the testing and commissioning phase for all projects.
Contractors All Risks (CAR) insurance is a product specifically designed to protect all parties involved in a construction project to ensure that the project is quickly resuscitated and completed as planned. The insurance provides cover for loss or damage to the contract works whilst in progress, goods and construction materials whilst in transit or storage as well as liability to third parties who are affected by your project.
Erection All Risks insurance is required where a contractor is installing or fitting finished parts or components. There are risks associated with dismantling, loading, transit and unloading from the departure to destination. The second part of the risk is associated with the actual mounting of the completed structures. Insurance provides protection against losses suffered due to unforeseen collapse, impact damage, and fire as well as risks associated with harsh weather elements as well as liability to third parties.
This insurance protects business against the risk of loss or damage to mobile and fixed plant which is used by your business. The policy offers comprehensive cover including damage to the plant itself as well as third party liability.
Machinery which is operational on a day to day basis in the production process is exposed to various risks which can cause sudden and unforeseen damage. This will cause work stoppage for an extended period of time, in particular where no immediate financial plan is in place to restore operations. Machinery breakdown provides cover for machinery which is fixed at a particular address or location and used for production in the business.
Travelling exposes your employees to various health exposures which can lead to sickness, hospitalisation and a need for medical attention. Travel insurance provides travel assistance against medical expenses if you fall sick or require medical attention while travelling domestically or internationally. The cover includes assistance with emergency medical expenses, repatriation and evacuation, loss of luggage and personal liability.
Our clients include the following:
This is a legal claim brought by a person who has suffered a loss, injury or damage at your premises.
Legal liability claims can be brought for loss, injury or damage caused by the company’s products to manufacturers, wholesalers, retailers, distributors, processors, importers or exporters for damage caused by their products.
This cover protects the employer for loss, injury or death of employees during the course of their employment.
The company’s directors and employees make difficult decisions on a daily basis in the course of executing their duties. During the decision making process, the directors and officers may make errors of commission or omission which cause loss or damage to third parties. Insurance cover can be put in place to avoid such exposure and also to encourage decision makers to execute their duties without fear.
Event Cancellation: where the event does not occur on the planned dates due to unforeseen circumstances which are beyond the control of the event organiser or event owner.
Event Liability: which is legal liability emanating from loss, damage, injury or death caused during your event.
Our clients include Entertainment industry, Party organisers, Schools, Event organisers or event planners, Hotels, Event venues, Churches, Wedding planners, Associations, Conference and seminar organisers, Golf event planners, Trade shows, Exhibitions, Festivals, Galas, Sports events
Marine Hull Insurance: this is insurance for the sea or water assets used in the transportation of goods from one part of the world, for example, ships, boats and terminals.
Marine Cargo Insurance: this refers to the actual goods carried from one point to the other, mainly by sea, rail, or air.
Marine Liability Insurance: This covers the risk that your hull or cargo will cause loss, harm, damage, injury or death to third parties.
Our clients include the following: Importers and exporters, Manufacturers, Clearing agents, Distributors, Ship / Boat/ Ferry owners, Fisheries, Pleasure water-craft / Yatch owners, Shipping companies
We provide protection to businesses against fraud, embezzlement, corruption, money laundering, computer fraud, extortion, dishonesty and contractual penalties caused by employees. Employees can commit a commercial crime either directly or in collusion with other criminals outside of the organisation. The employees can steal money, either cash or fraudulent electronic transfers as well as property. Insurance will ensure that the business will recover from the loss.
Our clients include the following entities:
Political Violence and Terrorism insurance
This covers the client from losses caused by politically motivated violence and related damages as well as losses caused by terrorism activities.
Political Violence, Terrorism and Sabotage insurance provides PVT cover, including losses caused by sabotage.
