Business Interruption

Business interruption insurance (also known as business income insurance) is a type of insurance that covers the loss of income that a business suffers after a disaster. The income loss covered may be due to disaster-related closing of the business facility or due to the rebuilding process after a disaster.

Contractor’s All Risk

This insurance policy provides coverage against unforeseen and sudden physical losses or damages to civil contract works, contractors Plant and Machinery, Temporary facility, and principal existing property as well as providing cover to the contractor against possible liabilities towards third parties.

Electronic Equipment’s

This type of policy covers physical losses or damages to electronic or electrical equipment such as Electronic Data Processing equipment, Electrical Equipment, communication and navigational equipment due to any unforeseen and sudden cause.

Fidelity

This policy covers financial losses suffered by employers, consequent to the dishonesty or employees holding positions of trust indulging in following:

Fire & Allied Perils

Fire Policy: This covers insurers against the risk of losses or damages due to fire and lightning only.

Fire and Allied perils: Adding to the above mentioned cover, this type of policy covers a number of additional perils which may differ from one policy to another but most usually include the following perils.

Machinery Breakdown

This type of policy covers sudden and unforeseen physical losses or damages to machinery due to electrical, mechanical or external causes which are not specifically excluded under the policy

Medical Malpractice

Professionals like doctors or other paramedics could be held liable toward third parties or bodily injuries or death arising out of their professional work. This type of policy provides cover against such eventualities. Further details are available upon request.

Money

Policy covers items like cash, notes, securities, cheques, money orders stamps whilst in locked safe, and drawer or in transit against various risk

Personal Accident

This policy covers death / disability arising out of an accident. The cover can be given on a 24 hour basis and a worldwide basis as well to employees during their vacation / business trips.

Disability cover is also available for permanent total, permanent partial and temporary disabilities. Moreover, the policy can further be extended to cover additional benefits

Professional Indemnity

Professionals like Engineers, Surveyors, Architects, Consultants, Lawyers, and Auditors could be held liable for any damages to their clients and/or any third party for breach of professional duty, errors, omissions and professional negligence whilst practicing their professions.

Property All Risks

This policy covers all risks of physical loss, destruction or damage to the insured property which occurred during the policy’s period and is subject to certain terms, conditions and exclusions.

This policy provides a wider coverage range than the Fire and Allied Perils insurance policy. Noting that the PAR policy can be tailor made depending on the profession clients and their requirements.

Public & Product Liability

This policy covers insured individuals against the legal liability that may arise out of an act of negligence against the losses or damages to third party properties, bodily injuries or deaths and legal expenses incurred in defending the liability with the consent of the insurer.