i) Fire and Perils

Covers against Loss of or Damage to
Property arising from:

  • Fire.
  • Lightning.
  • Earthquake.
  • Explosion.
  • Riot & Strikes.
  • Malicious Damage.
  • Aircraft / Aerial Devices.
  • Impact by any Motor Vehicle or Train.

ii) Domestic Package

Provides cover on:

  • The building.
  • The building and contents both inside and, or outside the house.
  • House servants against death or injury whilst in the course of employment
  • Personal legal liability to third parties.

iii) Burglary Insurance

Covers against loss of or damage to property as a result of theft involving actual forcible entry or exit.

iv) Contractors All Risk

This is offered to contractors for the period of the contract to provide protection against various risks arising in connection with the Execution of Contract Works as defined.
Such risks include: –

  • Damage to contract works.
  • Third party property damage.
  • Third party bodily injuries.

The liability of the insurer attaches until the issuance of certificate of completion or taking over certificate on completion of construction and testing.

v)  All Risk

This Policy covers portable and electronic items against loss or damage.
Among the valuables covered include:

  • Television sets.
  • Home-theatre systems.
  • Laptops.
  • Cameras.
  • Fridges.
  • Cookers
  • Microwaves.
  • Mobile phones etc.

vi)  Money Insurance

Covers loss of money either:

  • In transit between the insured premises and banks and other specified places as a result of robbery, theft or any other accidental cause or
  • The insured money in premises, safe and in the custody of authorized employees and/or directors.