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- Select a Non-Life Product - ALL RISKS INSURANCE POLICY BETTER HOME GUARD BOILER AND PRESSURE VESSEL INSURANCE BURGLARY INSURANCE POLICY CONSEQUENTIAL LOSS ON MACHINERY BREAKDOWN INSURANCE CONTRACTORS-ALL-RISKS INSURANCE ELECTRONIC EQUIPMENT INSURANCE POLICY ERECTION-ALL-RISKS INSURANCE FAMILY PERSONAL ACCIDENT INSURANCE FIDELITY GUARANTEE INSURANCE POLICY FIRE AND SPECIAL PERILS INSURANCE GOLFERS’ POLICY GOODS IN TRANSIT INSURANCE GROUP PERSONAL ACCIDENT POLICY MACHINERY BREAKDOWN INSURANCE MARINE CARGO INSURANCE MARINE HULL INSURANCE MONEY INSURANCE POLICY PERSONAL ACCIDENT & SICKNESS INSURANCE PLANT ALL RISK INSURANCE PRODUCT LIABILITY INSURANCE PROFESSIONAL INDEMNITY PUBLIC LIABILITY INSURANCE TRAVELLERS’ INSURANCE WORKMEN’S COMPENSATION POLICY

 ALL RISKS INSURANCE POLICY

Summary of Cover

This policy provides cover for the Insured item(s) against all risks of loss/damages not specifically excluded under the policy.

REQUIRED FOR DOCUMENTATION

Inventory of all items to be insured and their corresponding values

Documents Required in the event of Claim

Fire/Material Damage

• Completed claim form
• Estimate of repairs
• Purchase Receipt/Invoice
• Any other relevant documents

Theft

• Completed claim form
• Estimate of repairs
• Purchase Receipt/Invoice
• Police report
• Any other document required

 

 BETTER HOME GUARD

Summary Of Cover

This policy provides compensation to the insured for loss or damage to the building and/ or contents as a result of ;

• Fire & Special Perils
• Theft

It also provides additional benefits such as:

• Cost of alternative accommodation.
• Loss of rental income. (For insured building only)
• Legal liability to the public.
• Medical Expenses up to a limit
• Death of the Insured due to fire or action of thieves.

Documents Required in the event of Claim

Fire

• Completed claim form
• Estimate of repairs (if building is insured)
• Purchase Invoice/Receipt
• Fire Brigade Report
• Any other relevant documents

Theft

• Completed claim form
• Estimate of Repairs
• Police Report
• Purchase receipt/Invoice
• Any other relevant documents

 BOILER AND PRESSURE VESSEL INSURANCE

Summary Of Cover

This policy provides cover for accidental loss or damage as a result of the following:

• Explosion and collapse of boiler or any other pressure vessels.
• Damage to the insured’s property other than the boilers.
• Damage to surrounding properties [not belonging to the insured]
• Damage [other than by fire] to plant and other property belonging to the insured.
• Damage [other than by fire] to property held by the insured in trust or on commission or for which they are responsible.
• Other legal liabilities of the insured such as death or bodily injury to third party.

Documents Required In The Event Of Claim

• Completed claim form
• Statement of claim
• Estimate of repairs
• Written statement from two or three witnesses
• Purchase Receipt/Invoice
• Police report (theft cases)
• Maintenance log book
• Any other relevant documents

 

 BURGLARY INSURANCE POLICY

Summary of Cover

This policy covers loss or damage to the property insured whilst contained within the premises as a result of theft accompanied by actual forcible and violent breaking into or out of a building.

Documents Required in the event of Claim

Private Premises:

• Completed claim form
• Estimate of Repairs
• Police Report
• Purchase Receipt/Invoice

Business Premises:

• Completed claim form
• Estimate of Repairs
• Police Report
• Purchase Receipt/Invoice
• Value of stock taken prior to and immediately after the loss
• Statement from security guards
• Any other relevant documen ts

 

 CONSEQUENTIAL LOSS ON MACHINERY BREAKDOWN INSURANCE

Summary Of Cover

This policy covers loss arising from business interruption due to machinery breakdown in respect of :

• Loss of profit
• Salaries/wages paid to employees
• Auditor’s fees

Documents Required In The Event Of Claim

• Completed Claim form
• Breakdown of amount of loss
• Any other relevant documents

 CONTRACTORS-ALL-RISKS INSURANCE

SUMMARY OF COVER

Contractors all risks insurance policy provides compensation to the insured for loss or damage by any means to:

• Contract Works
• Temporary buildings
• Working tools
• Principal’s existing properties
• Materials meant for the contract.

In addition, Cover extends to third party liabilities in respect of:

• Death
• Bodily injury to persons
• Damage to third party property

REQUIRED FOR DOCUMENTATION

• Number of Employees and their Categories
• Estimated Annual Earnings

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

• Completed claim form
• Statement of claim
• Estimate of repairs
• Written statement from two or three witnesses
• Any other relevant documents

 ELECTRONIC EQUIPMENT INSURANCE POLICY

Summary of Cover

EEI provide cover for the insured item[s] against all risks of loss/damage not specifically excluded under the policy,

WHILST the insured item[s] is:

• At work
• At rest
• Being dismantled for the purpose of cleaning, overhauling or repairs.

Documents Required in the event of Claim

• Completed claim form
• Estimate of repair
• Purchase Receipt/Invoice
• Any other relevant documents

 

 ERECTION-ALL-RISKS INSURANCE

SUMMARY OF COVER

This policy provides compensation to the Insured for any sudden and unforeseen loss or damage at the erection site as a result of:

• Material Damage to the insured properties.
• Damage to the existing properties of the principal.
• Damage to plant and machinery of the contractor at the site.
• Insured’s liability to third parties (death, bodily injury and loss or damage to properties) consequent upon the happening of an event at the erection site.
• Employees personal effects, if required.

REQUIRED FOR DOCUMENTATION

• The Contract Agreement
• The Limit Anyone Occurrence in Public Liability Section
• Limit on Employees’ Personal effects

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

• Completed claim form
• Statement of claim
• Estimate of repairs
• Written statement from two or three witnesses
• Any other relevant documents

 FAMILY PERSONAL ACCIDENT INSURANCE

Summary of Cover

This policy provides for payment of specified compensation to the insured and members of his family stated in the schedule, for bodily injury as a result of accident resulting into;

• Death
• Permanent Disability
• Medical & Burial Expenses that may be incurred therefrom.

Documents Required in the event of Claim

Death:

• Completed claim form
• Original Death Certificate
• Original Post Mortem Report
• Original Doctor’s Report
• Original Burial Certificate
• Any other relevant documents

Bodily Injury

• Completed claim form
• Original Medical Report
• Original Breakdown Of Medical Bills
• Original receipt of payment of Medical Bills
• Discharge Certificate
• Any other document required

 

 FIDELITY GUARANTEE INSURANCE POLICY

Summary Of Cover

This policy indemnifies the Insured against loss of money/goods as a result of fraud/dishonesty of an Insured employee.

REQUIREMENT FOR DOCUMENTATION

• Designation of Employees to be covered
• Limit Anyone Loss
• Aggregate Limit anyone period of insurance
• Number of Employees to be covered

Documents Required in the event of Claim

• Completed claim form
• Police Report
• Breakdown of amount of loss
• Evidence of Court proceedings/judgement
• Any other relevant documents
• Letter of appointment of the adjuster

Sales record a month before and a month after the loss

 

 FIRE AND SPECIAL PERILS INSURANCE

SUMMARY OF COVER

This policy is designed to indemnify the Insured against loss or damage to the Insured property consequent upon:

• Fire
• Lightening
• Explosion.

Loss or damage arising from the following natural perils are also covered:

• Flood
• Storm
• Tempest
• Earthquake
• Typhoon and the likes

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

FIRE, (BUSINESS PREMISES):

• Completed claim form
• Bill of contents
• Purchase Invoice/Receipt
• Value of stock taken prior to and immediately after loss (if stock is insured)
• Fire Brigade Report
• Any other relevant documents

FIRE (PRIVATE DWELLINGS)

• Completed claim Form
• Estimate of repairs (if building is insured)
• Purchase Invoice/Receipt
• Fire Brigade Report
• Any other relevant documents

 GOLFERS’ POLICY

Summary Of Cover

The Policy covers Golf activities in any Golf club within the geographical limits in respect of :

• Insured’s legal liabilities to the public(death/bodily injuries; property damage)
• Death/bodily injuries to members by accident
• Loss/damage to Golf equipments by any accident or misfortune whilst in transit to/from or whilst at any \golf club
• Loss/damage to personal effects

Documents Required In The Event Of Claim

• Completed claim Form
• Statement of claim
• Estimate of repairs
• Any other relevant documents

 GOODS IN TRANSIT INSURANCE

Summary Of Cover

This policy provides cover in respect of loss or damage to the insured goods whilst in transit as a result of:

• Fire
• Collision or overturning of the conveying vehicle[s]
• Theft

REQUIREMENT FOR DOCUMENTATION

• The nature of goods to be carried
• Limit per Carrying
• Mode of Conveyance
• Estimated Annual Carrying

Documents Required In The Event Of Claim

• Completed claim form
• Delivery waybill, invoice and debit note
• Police Report
• Statement showing quantities and value of the product lost and total value carried
• Copies of correspondence exchanged with consignee/transporters
• Any other relevant documents

 GROUP PERSONAL ACCIDENT POLICY

Summary Of cover

The Policy covers:

• Bodily injury to the employees of the Insured as a result of accidental; violent; external means resulting in death or disablement/bodily injury
• Medical expenses in connection with an injury by accident within the meaning of the policy

REQUIREMENT FOR DOCUMENTATION

• Numbers and Categories of Employees
• Multiple of Salary e.g 3 X Annual Salary
• Limit of Medical Expenses required for each categories of Employees

Documents Required In The Event Of Claim

INJURY

• Completed claim form
• Statement of Monthly Earnings for injured workman for the last 6 months prior to the accident
• Medical Expenses
• Original Receipt of payment of Medical Bill
• Comprehensive Medical Report
• Excuse Duty Certificate
• Discharge Certificate
• Any other relevant documents

DEATH

• Completed claim form
• Death Certificate/Burial Certificate
• Post Mortem Report
• Doctors Report
• Medical Bill
• Statement of 6 (six) months Earnings prior to the accident/injury
• Letter of administration to the estate of the deceased
• Any other relevant documents
• Completed claim Form
• Statement of claim
• Estimate of repairs
• Any other relevant documents

 MACHINERY BREAKDOWN INSURANCE

Summary Of Cover

This policy covers any unforeseen and sudden physical loss or damage from causes such as

• Defects in casting and materials
• Faulty design
• Faults at workshop or in erection
• Bad workmanship
• Lack of skill/carelessness
• Shortage of water in boilers
• Physical explosion
• Tearing apart on account of centrifugal force
• Short-circuit, storm and any other cause not specifically excluded.

Documents Required In The Event Of Claim

• Completed claim form
• Estimate of repairs
• Engineer’s report
• Purchase receipt/Invoice
• Any other relevant documents

 MARINE CARGO INSURANCE

Summary Of Cover

 CLAUSE ‘A’ – ALL RISKS

This provides cover for loss or damage to the insured property as a result of the following:

• Perils of the seas etc
• Fire and explosion
• Theft of goods on board and short delivery
• Jettison
• Loss incurred to prevent a foreseeable severe loss on the high sea.
• Stranding, grounding and sinking of conveying vessel
• Discharge at the port of distress
• Overturning or derailment of land conveyance
• War risks

Summary Of Cover

CLAUSE ‘C’

This provides cover for total loss or damage to the insured property as a result of the following:

• Fire and explosion
• Loss incurred to prevent a foreseeable severe loss on the high sea.
• Stranding, grounding and sinking of conveying vessel
• Discharge at the port of distress
• War risks

 MARINE HULL INSURANCE

Summary Of Cover

This provides cover for loss or damage to the insured property as a result of the following:

• Fire and explosion
• Perils of the seas, rivers, lakes, or other navigational waters
• Piracy
• Negligence of Masters, officers, crew or pilot
• Any other perils as contained in the policy

Documents Required In The Event Of Claim

• Completed claim form
• Estimate of repairs
• Survey report
• The boat certificate of registry
• The Assured written statement/security report into the circumstance surrounding the loss.
• Bill of sale/purchase
• The boat log book/Engines record(s)
• The boat maintenance register/records
• Certificate of seaworthiness
• Complete Crew list
• Report on Ship Master and Chief Engineer
• Any other relevant documents

 MONEY INSURANCE POLICY

Summary of Cover

This policy provides an all risks cover to protect money/cash against the risk of loss whilst;

• In transit (being moved from one location to another)

• At Premises (outside the safe but within the premises during business hours)

• In Securely Locked Safe (at specific locations and/or strong room.)

• In Personal Custody (of responsible officers, up to a specified limit, who have to carry cash in the course of their regular work)

• Damage to Safe

Documents Required in the event of Claim

• Completed claim form
• Police Report
• Breakdown of amount of loss
• Estimate of repairs (if damage to safe)
• Any other relevant documents

 

 PERSONAL ACCIDENT & SICKNESS INSURANCE

Summary of Cover

This policy provides for payment of specified compensation to the insured for bodily injury as a result of accident resulting into;

• Death
• Permanent Disability
• Medical & Burial Expenses that may be incurred therefrom.

Documents Required in the event of Claim

Death:

• Completed claim form
• Original Death Certificate
• Original Post Mortem Report
• Original Doctor’s Report
• Original Burial Certificate
• Any other relevant documents

Bodily Injury

• Completed claim form
• Original Medical Report
• Original Breakdown Of Medical Bills
• Original receipt of payment of Medical Bills
• Discharge Certificate
• Any other document required

 

 PLANT ALL RISK INSURANCE

Summary of Cover

This policy provides cover in respect of plant and machinery specified in the policy as a result of:

• Unforeseen, sudden, physical loss or damage as a result of fire, theft and impact damage.

Documents Required In The Event Of Claim

• Completed claim form
• Statement of claim
• Estimate of repairs
• Written statement from two or three witnesses
• Purchase Receipt/Invoice
• Police report (theft cases)
• Maintenance log book
• Any other relevant documents

 

 PRODUCT LIABILITY INSURANCE

SUMMARY OF COVER

The product liability policy is an extension of the public liability policy which provides cover for the insured’s legal liability to third party arising out of the use of the Insured’s products resulting into:

• Death
• Bodily injury to persons

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

• Completed claim Form
• Statement of claim
• Correspondence exchange between the claimant and the Insured
• Any other relevant documents

 PROFESSIONAL INDEMNITY

Summary Of cover

• Policy provides indemnity to the Insured; his executors; assigns/administrators in their professional capacity from any claims made against them for breach of duty during the currency of the policy

REQUIRED FOR DOCUMENTATION

• Limit of Indemnity
• The Profession of Insured.

Documents Required In The Event Of Claim

• Completed claim Form
• Statement of claim
• Correspondence exchange between the claimant and the Insured
• Any other relevant documents

 PUBLIC LIABILITY INSURANCE

SUMMARY OF COVER

The public liability policy provides cover for the insured’s legal liability to third party arising out of, and in connection with the Insured’s business resulting into:

• Death
• Bodily injury to persons
• Damage to third party property.

It also covers legal costs and expenses in connection with the claims

REQUIRED FOR DOCUMENTATION

• Limit Anyone Occurrence

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

Property Damage:

• Estimate of repairs
• Completed claim Form
• Any other relevant documents

Death/ Bodily Injury

• Completed claim Form
• Medical report/Bill
• Statement of claim
• Any other relevant documents

 

 TRAVELLERS’ INSURANCE

Summary of Cover

This policy covers the insured whilst travelling as a fare paying passenger in a fully licensed standard type of Aircraft against bodily injury as a result of accident resulting into;

• Death
• Permanent Disability
• Medical Expenses incurred therefrom
• Loss of luggage

Documents Required in the event of Claim

Death:

• Completed claim form
• Original Death Certificate
• Original Post Mortem Report
• Original Doctor’s Report
• Original Burial Certificate
• Any other relevant documents

Bodily Injury

• Completed claim form
• Original Medical Report
• Original Breakdown Of Medical Bills
• Original receipt of payment of Medical Bills
• Discharge Certificate
• Any other document required

Loss of Luggage

• Completed Claim form
• Photocopy of Travel Ticket
• Document from the Airline accepting liability
• Purchase Receipts for the lost items
• Any other relevant documents.

 

 WORKMEN’S COMPENSATION POLICY

Summary of Cover

The Policy provides compensation for:

• death/bodily injury by accident or disease of the employee arising out of and in the course of employment as required under the Workmen’s compensation Decree 1987 including common law.
• reasonable medical expenses
• reasonable transport expenses
• all legal costs and expenses incurred by the Insured in defending any claim for the above compensations.
• Overseas Medical Treatment, if required.

DOCUMENTS REQUIRED IN THE EVENT OF CLAIM

INJURY

• Completed claim form
• Statement of Monthly Earnings for injured workman for the last 6 months prior to the accident
• Medical Expenses
• Original Receipt of payment of Medical Bill
• Comprehensive Medical Report
• Excuse Duty Certificate
• Discharge Certificate
• Any other relevant documents

DEATH

• Completed claim form
• Death Certificate/Burial Certificate
• Post Mortem Report
• Medical Report
• Medical Bill
• Statement for 6 (six) months Earnings prior to the accident/injury
• Letter of administration to the estate of the deceased
• Any other relevant documents