Your buildings and contents therein could be insured under a fire and special perils policy to cover the risks of accidental fires by whatever nature plus damage to the same as a result of riots,



    This policy would cover your motor vehicles against the risks of fire, theft and accidental damage. The policy would also cover third party liability as per Statute plus an extension to cover property damage,



    We provide cover against problems that arise, whilst on sea or air which include fire, theft, collision, and a wide range of problems that may cause damage, loss or education to your goods/cargo.



    All categories of employees are covered in event of accidental death or bodily injury/disease during the course of their employment.

A group personal accident policy is 24 hour cover, which covers employees during their service with the company, this policy has the following characteristics:

  • Issued to a group of people with similar risk profile
  • Group can be formed by an employer (of employees), organisation, travel company, banks and other service providers (for customers), etc
  • The insurance covers the expenses and compensates the insured group members for any injury sustained in the course of their lives (except injuries obtained due to excluded causes)
  • Applies to the whole world


The general benefit includes the following:

Accidental Death - Death or Total Permanent disability up to a limit usually in relation to ones annual earnings or a multiple thereof.

Medical Expenses arising out of accidents - Medical Aid: This is reimbursement of expenses incurred on treatment after an accident up to a limit per person per accident as may be agreed.

Permanent Total disability due to an accident - Death or total Permanent disability up to a limit usually in relation to ones annual earnings or a multiple thereof.

Permanent Partial disability due to an accident - Temporary Partial Disability: The equivalent of 1/3 (one third) of ones weekly earnings for every week one may be partially disabled (attending to only part of ones normal duties).



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