Covers loss following interruption or interference with business in consequence of damage occurring during the period of insurance at the premises because of fire where liability has been admitted. This insurance is vital for commercial property owners as it enables you to continue to meet fixed expenses such as loan repayments, rent and wages in the event your property can’t be leased.

This provides compensation payments where you (your business, employees or products) are deemed liable, for third party property damage or personal injury claims.

This cover safeguards your business against unforeseen contingency caused by accidental fire, lightning, destruction or damage caused by aerial devices, manmade perils in the form of riots, strike etc., damage caused by impact by a rail or road vehicle, peril caused by pollution and contamination, bursting and or overflowing of water tanks, apparatus and pipes and leakage from automatic sprinkler installations.

This policy covers damage to commercial and community buildings such as offices, churches, sporting, recreational structures, drive ways or parking areas against fire, lightning or thunderstorm, explosion, subterranean fire and allied perils.

This insurance provides coverage against unforeseen and sudden physical loss or damage to electronic devices used by business such as printers, scanners, desktops, point of sale devices, cash registers and any other electronic equipment that is used in your daily business dealings.

Pays for the repair or replacement of electrical and mechanical production machinery due to sudden and unexpected break down. Common items include fridges, freezers, air conditioners and manufacturing machinery .This cover can also be extended to loss of product (raw material in process) which was being processed when the machine broke down.

This is an important form of protection for business that provide specialist services or professional advice. It is designed to respond to claims against your business for loses because of actual or alleged negligent acts or omissions in the provision of your professional service or advice. ProfessionaI Indemnity insurance will also assist with the legal cost associated with responding to or managing claims which are covered by the policy.

This is a specialist insurance product used to protect business and individual users from internet based risks, and more generally from risks relating to information technology infrastructure and activities.

Group Personal Accident policy assures that the claim gets settled quickly, in case any employee dies or injured and suffers a permanent disablement, temporary total disability or any other medical expenses. The claim of the policy is paid to the policyholder or his/her nominee.

This policy offers comprehensive cover by covering risks which may arise during construction .It comprises of physical loss or damage that may happen to the property, plant machinery, and temporary work erected on site along with the third party liability related to the work done on the site. It means the policy covers works brought to the construction site for the purpose of the contract along with temporary work erected on site, this policy also gives protection against loses or damages caused to property from fire under a Fire Insurance Policy which is also covered under Contractor all risk insurance.

Loss or damage to any insured motor vehicle as insured, includes accidental damage, fire, third party and theft against third party liability up to the limit provided by the policy. It’s designed specifically for vehicles that are used by or for a business.

Goods in Transit insurance covers a business for loss or damage to cargo, stock or other items being transported. Cover can be taken either by the owner of the goods or the haulage business carrying the goods. lost with the death of a wage earner. You may want to make sure your dependents do not incur significant debt when you die. Life insurance may allow them to keep assets versus selling them to pay outstanding bills or taxes.

You should consider the following factors when purchasing life insurance:

• Medical expenses previous to death and burial costs
• Support while remaining family members try to secure employment; and
• Continued monthly bills and expenses, day-care costs, university tuition and retirement.

Loss or damage to all contents(the property of the insured or for which they are responsible) of any insured building, at the insured premises because of theft accompanied by forcible and violent entry into or exit from such building or any attempt threat or as a result of theft, or any attempt threat following violence.

Covers accidental or malicious damage to external and internal glass at your business premises. The policy can cover decorative glass displays and signs, mirrors as well as windows, doors, and can includes the price of hoarding up damage to shop fronts and windows display.

Money insurance protects your business money (which will include not only cash and cheques, but also item’s such as gift cards, postal orders and stamps) by providing cover of loss or damage to it whilst on your premises or in transit up to the limits of liability/sum insured.