Services

We offer Insurance advisory services not limited to the following;



FIRE

This protects the insured against damage to or loss of property such as industrial complexes, commercial premises and schools as a result of accidental fire, explosion and lightening. The standard policy can be extended to include the additional perils of storm, earthquake, riot and civil commotion, water damage, impact and malicious damage.
Details Required:
(a) Description of property to be insured (b) Values/ Sums insured of properties to be insured (c) Situation/ Location of premises were properties are

PUBLIC/ PRODUCTS LIABILITY

Covers the insured in respect of any legal liability which may be incurred to Third Parties as a result of the insured's negligence and supply of dangerous products resulting into:
(a) Damage to or loss of their property
(b) Bodily injury including illness or death directly resulting in connection with the insured's business.

Details Required:
a) Limit of liability

MOTOR COMPREHENSIVE

In addition to the Statutory Third Party Property Damage Insurance, Motor comprehensive offers cover to the policy holder against accidental loss or damage to the vehicle including loss or damage resulting from fire or theft.

Details Required
(a) Details/description of the vehicle (provides registration cards of the vehicles)
(b) Values (sum to be Insured) of the vehicles


MOTOR THIRD PARTY (STATUTORY COVER)

This is a compulsory policy, for all motorists, covering Death and /or Bodily injury in respect of Third Parties. It is requirement by the Motor Vehicle insurance (Third Party Risks) Statute 1998

Details Required:
Details /description of the vehicles (provide registration cards of the vehicle)

MONEY POLICY

This policy covers losses of money or securities while in transit to and from the bank, money or cash on business premise and in private residence when forceful entry into or out of these premises has been applied.

Details Required
(a) Average amount of money in transit to and from the bank to the premises and vice versa
(b) Average amount of money kept in the premises in the safe, during day and at night
(c) Amount of money in the hands of authorized Company Officials
(d) Estimated Annual cash in Transit

BURGLARY

Protects the insured against loss of valuable properties such as assets, stock and merchandise arising from direct forcible and violent entry into or exit from business offices, commercial premises, residence premises and factories.

Details Required:
(a) Description of properties and their valves to be insured.
(b) Situation/location of premises where properties are.


ALL RISKS

This covers loss or damage of valuables and portables items in homes, offices against all risks except those which are specifically excluded. Those covered may include items that could get lost or damaged under miscellaneous circumstances, say without necessary breaking into the insured premises like calculator, Portable computers, Typewriters, Ornaments, Jewelry etc.

Details Required
(a) Description of properties and their values to be insured
(b) Situation/location of premises where properties are.

GOODS IN TRANSIT

Covers Insured goods against inland transit risks by road or rail conveyance

Details Required:
(a) Value of the goods (Per transit and in aggregate).

PROFESSIONAL INDEMNITY

This covers professionals against their legal liabilities to persons who incur financial loss or sustain personal injuries due to their professional negligence for instance Doctors, Auditors Engineers, and Lawyers.

Details Required:
(a) Proposed limits of liability to be insured


WORKER'S COMPENSATION POLICY

This policy is mandatory. It covers employers against death of or injury to workers, sustained whilst in the course of their employment. These may include domestic servants, workers at construction sites, among others as stipulated under the workers Compensation Act.

Details Required
(a) Details of the employees and /or categories, designation where employees fall.
(b) Salaries/wages of the employees

PERSONAL ACCIDENT OR GROUP PERSONAL ACCIDENT

This policy covers employees/person against accidental, visible and violent personal injuries and disabilities or death arising from external causes. Unlike the Workers Compensation this is on a 24-hour basis.

Details Required
(a) Details of the employees and/ or categories, designation where employees fall
(b) Situation /wages of the employees

FIDELITY GUARANTEE POLICY

It covers against loss of money or negotiable instruments or goods or property belonging to the insured or for which the insured is legally liable directly resulting from any act of dishonesty and/or any infidelity of employees during the period of this policy.


DIRECTORS & OFFICERS INSURANCE

This policy is to indemnify the directors and officers, of the Company, whether past present or future against any claim made during the period of insurance for a loss arising from an actual or alleged wrongful act.

EMPLOYERS LIABILITY

This policy is to provide indemnity against legal liability under common law consequent upon death of or bodily injury by accident or disease of any person employed under a contract of service or apprenticeship which occurs in the course of or in connection with such employment.

ELECTRONIC EQUIPMENT

The policy provides comprehensive coverage against unforeseen and sudden physical loss or damage to your electronic equipment and data media. The policy covers: Material damage of equipment, e.g., computers, microprocessors, systems software, External data media, including information stored thereon


PLATE GLASS, NEON SIGNS, COUNTER GLASSES

This policy insures plate glasses typically found in showrooms, offices or buildings. It provides cover for: An "All Risks" basis. Any glass broken by accident or misfortune.

HOUSE OWNERS/HOUSE HOLDERS

This insurance package covers accidental loss or damage to residential homes and or contents of a dwelling house including your valuable items normally carried or worn. It incorporates your personal liability and that of your house hold members

MACHINERY BREAKDOWN INSURANCE

Machinery Breakdown Insurance, is designed to provide cover against unforeseen and sudden physical loss or damage to the machinery by any cause subject to excepted risks. Machines are an integral part of all manufacturing and industrial units engaged in production of industrial/household goods.


BOILER & PRESSURE VESSELS

This cover provides accident insurance for boilers and pressure vessels that are normally used in steam power stations and factories, covering the risk of explosion and collapse.

ERECTION ALL RISKS

The Erection All Risk policy is specially designed to cover loss or damage to projects that involves erection/installation of plant, machinery and equipment ranging from erection of a single machine to a large power plant.

CONTRACTORS ALL RISKS

Contractors' All Risks insurance (CAR) (also referred to as Contract Works or Construction Insurance) typically provides cover for the cost of physical loss or damage to building works, advanced loss of revenue/income, public liability, installation and constructional plant/machinery including hired-in plant and tools where you are responsible. This form of Insurance covers existing structures, temporary and permanent construction works plus materials should they be damaged or stolen prior to completion. The policy can be used to cover new builds, refurbishments, repairs or extensions.


CONTRACTORS PLANT & MACHINERY

The policy provides comprehensive cover against physical loss or damage to the plant and machinery due to any cause other than those specifically excluded in the policy.

OIL & GAS INSURANCE

Oil and Gas and Energy Industries have very specific insurance needs. The energy industry includes businesses specializing in: oil and petrochemicals, chemicals, mining, nuclear power generation and utilities, solar and alternative energies and process industries. Insurance for industries related to Energy is sometimes called "Oil & Gas Industry Insurance or Energy Sector Insurance. We have expertise to advise under section as well.

TRAVEL INSURANCE

It covers medical expenses, lost baggage, international assistance, advance of funds, loss of documents like passport, delayed departure and delayed urgent messages.


MEDICAL INSURANCE/HEALTH SCHEME

This policy covers hospitalization bills like inpatient, outpatient, dental, optical, maternity and medical checkups among others.

LIFE INSURANCE

This section provides a range of life products tailored to suit our clients' needs like endowment with profits, education scheme, saving scheme, Family protection Plan, Pension Scheme and investment plans among others.


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