Insurance for Individuals
Accident Insurance
Offers coverage for unexpected accidents resulting in injuries, disability, or death. Ensures financial safety for both individuals and families, applicable at work, home, or elsewhere.
- Coverage for accidental Injuries
- Disability Benefits
- Accidental Death Benefits
- Medical Reimbursement
Health Insurance
Provides extensive coverage for medical expenses including doctor visits, hospitalization, and prescription drugs, ensuring necessary medical care without significant out-of-pocket expenses.
- Comprehensive Medical Care Coverage
- Reduced Out-of-Pocket Expenses
Property/Home Insurance
Secures your property or home against damage or loss. This insurance provides peace of mind by covering disasters, theft, and liability if someone is injured on your property.
- Protection against a range of disasters and theft
- Liability coverage for on-site injuries
Motor Vehicle Insurance
Provides comprehensive vehicle coverage for accidents, theft, or damage. Includes both compulsory and voluntary third-party liability and personal accident protection for passengers.
- Compulsory Third Party Liability
- Own Damage/Theft/AON
- Voluntary Third Party Liability: Bodily Injury and Property Damage
- Unnamed Passenger Personal Accident
Travel Insurance
Provides protection and assistance for travelers against a wide array of financial losses and various travel-related risks and emergencies, ensuring safety and support.
- Medical & Emergency Expenses Coverage
- Personal Accident Coverage
- Personal Liability
- Trip/Flight Delay, Cancellation, or Misconnection
- Aircraft Skyjacking
- Loss of Personal Money and/or Travel Documents
- Delay or Loss of Baggage
- Automatic Extension
Bonds
Offers risk mitigation and contract fulfillment assurance in various sectors. Bonds ensure that contractual and financial obligations are met, enhancing creditworthiness and legal compliance.
- Risk Mitigation
- Contract Fulfillment Assurance
- Payment Protection
- Legal Compliance
- Enhanced Creditworthiness
General Liability
Protects businesses against various liabilities in operations, covering legal, financial responsibilities for bodily injury, property damage, and third-party claims.
- Protection against lawsuits
- Coverage for Bodily Injury
- Protection for Property Damage
- Personal Injury Coverage
- Product Liability Coverage
- Contractual Liability Coverage
Business Interruption
Keeps your business safeguarded against financial losses from unexpected operational interruptions, like natural disasters or fires, ensuring financial stability and continuity.
- Financial Protection
- Continuity of Business Operations
Directors & Officers Liability
Protects company leaders from personal financial losses and legal liabilities arising from managerial decisions and actions, including legal defense costs and financial settlements.
- Personal Assets Protection
- Recruitment and Retention
- Legal Defense Costs
- Financial Stability
Workers’ Compensation
Provides financial protection for both employees and employers against work-related injuries, and illnesses, covering medical expenses, rehab, lost wages, and streamlining claims.
- Financial Protection for Injured Workers
- Income Replacement
- Rehabilitation Support
- Legal Protection for Employers and Employees
Professional Liability
Shields professionals and businesses from financial losses due to negligence, errors, omissions, or inadequate performance in their services, essential for various industries.
- Legal Protection
- Financial Security
- Reputation Management
Health Maintenance Organization (HMO)
Offers extensive medical and health coverage, ensuring access to a wide range of healthcare services, promoting overall health and well-being.
- Comprehensive medical care coverage, including doctor visits and hospital stays
- Coverage for prescription drugs
- Reduced out-of-pocket costs, facilitating easier access to healthcare
- Preventative and emergency health services
Cyber Liability
Safeguards businesses and individuals from the financial and legal impacts of cyberattacks, data breaches, and cyber incidents, covering risks to digital assets and sensitive information.
- Financial Protection
- Data Breach Coverage
- Legal Defense
- Business Interruption Cover
- Reputation Management
- Regulatory Compliance
- Cyber Extortion Coverage
- TPL Cyber Liability
Motor Fleet Insurance
Provides tailored coverage for company vehicles, offering protection against accidents, theft, and damage, ensuring your assets are secured, minimizing financial losses and keeping operations running smoothly.
- Comprehensive coverage for accidents, theft, and damage to company vehicles
- Compulsory Third Party Liability (CTPL) for bodily injury and property damage
- Optional coverage for Own Damage, Theft, and Acts of Nature (AON)
- Voluntary Third Party Liability for bodily injury and property damage
- Coverage for unnamed passengers for personal accidents
Industrial All-Risk (IAR)
Provides comprehensive protection against a wide range of industrial risks, offering security for physical assets and operations, safeguarding your investments and continuity.
- Comprehensive risk coverage for industrial operations
- Protection against sudden and accidental physical loss, destruction, or damage
- Covers a wide spectrum of risks, offering peace of mind for business continuity
Engineering Insurance
Protects individuals, businesses, and contractors in engineering, construction, and infrastructure projects from diverse risks during the planning, construction, and maintenance phases.
- Comprehensive Coverage
- Property Damage Protection
- Third-Party Liability Coverage
- Contractor’s All Risks (CAR)
- Erection All Risks (EAR)
Marine Insurance
Protects financial interests in goods transportation via water and land, covering a range of risks and losses during shipping, safeguarding against accidents, damage, and theft.
- Comprehensive Coverage for Transportation Risks
- Safeguards Investments
- Ensures Compliance