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All Risk Insurance
Assets All Risk Insurance
From customised machinery to electronic equipment, your business assets play a vital role in the success of your operations. Our Assets All Risk insurance provides protection for business property that is accidentally physically lost, destroyed or damaged by anything other than the excluded causes listed below. This means that you’re covered for almost every eventuality, which makes your coverage broader and easier to understand too.
Examples of excluded causes are:
- Damage caused by defective design materials or workmanship
- Wilful acts or negligence by the insured
- Acts of fraud or dishonesty
- Disappearance, unexplained or inventory shortage
Some assets such as money, electronic installations, vehicles and boilers are also excluded mainly because they are expected to be insured as standalone policies.
Contractors’ All Risk (CAR)
The CAR policy offers comprehensive protection against loss or damage relating to the contract works, construction plant, equipment and machinery. It also covers third-party claims regarding property damage or bodily injury that have occurred because of a construction project.
Electronic equipment (EEI) – All Risk
Electrical and electronic systems are expensive to replace – but they’re also a vital part of most businesses. Under the EEI policy, every hazard is covered even if it’s not specifically excluded, meaning that almost any sudden and unforeseen losses that affect the electronic equipment or systems are also covered.
The EEI insurance applies whether the insured items are in use or at rest. It also covers them if they’re being dismantled for cleaning, overhauled or moved within the premises.
The EEI insurance applies whether the insured items are in use or at rest. It also covers them if they’re being dismantled for cleaning, overhauled or moved within the premises.
Erection All Risks (EAR)
The EAR policy offers protection against all the risks involved in the erection of machinery, plant and steel structures of any kind. It also covers any third-party claims linked to property damage or bodily injury that have arisen in connection with the execution of an erection project.
Office Comprehensive Insurance
If you’re a professional or consultant working from an office, this protects you against damage to your office furniture and tools of trade as a result of fire and allied perils, theft and accidental damage. You can also get coverage for liability, loss of rent, out of pocket expenses, temporary removal, public liability, cash-in-safe and on the premises.
As part of this policy, you would like to take out personal accident insurance for your employees.
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Personal Accident
An accidental or Personal injuries can adversely affect your earning capacity, daily expenses, well-being and lifestyles of your family in many ways. Personal Accident Insurance gives you 24-hour cover, which means you are not limited by the activity you are partaking in at the time of the accident. So you will receive cover regardless of whether you are at work or not when the accident happens
Scope of cover:
- Death
- Permanent Disability
- Temporary Total Disability
- Medical Expenses
You may also choose to add on the following extensions to your policy:
- Exposure – to elements, starvation and/or thirst
- Disappearance
- Burns Disfigurement
- Life support system (not less than 3 consecutive days)