• MARINE CARGO INSURANCE

     

    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.

  • MOTOR INSURANCE
    MOTOR INSURANCE

     

    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,

  • FIRES & SPECIAL PERILS
    FIRES & SPECIAL PERILS

     

    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,

  • WORKERS COMPENSATION
    WORKERS COMPENSATION

     

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

Fire Insurance covers damage or loss to a property because of fire. It is a specific form of insurance in addition to homeowner's or property insurance, and it covers the cost of replacement and repairs or reconstruction above what the property insurance policy covers.

Fire insurance policy cover damage to the property, and may also cover damage to nearby structures, personal property and costs because of not having the capacity to live in or use the property if damages occur.

  • What is covered?

Under fire and other special perils policy, several things are covered apart from fire damage. Expenses incurred due to damage by explosion/implosion, lightening, storms, floods, earthquake, riots, malicious damage, strikes, inundation, bush fire, impact damage is also covered.

  • What is not covered?

There are certain major exclusions under this fire insurance policy, which is also called "excess". Loss or damage of property due to nuclear perils, electrical/mechanical breakdown, pollution or contamination, burglary and housebreaking, terrorist act, war (be it declared or not).

 

We shall require details and values of your buildings including all structures connected therewith e.g. gates, walls and outhouses if any. A recent valuation report is required to calculate the premium ideal for this purpose.

Download proposal form FIRE INSURANCE

 

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