Motor Insurance

• Comprehensive: Covers own vehicle damage, third-party liabilities, theft, and fire.

• Third-Party: Covers damage or injury to third parties but not to the insured's vehicle.

Fire Insurance

Provides coverage for property damage caused by fire, lightning, or explosions. It can be extended to cover other risks such as earthquakes or floods.

Property Insurance

This category includes insurance policies that protect against damage or loss of property, such as homes, buildings, and personal belongings.

Public Liability Insurance

Covers legal liabilities arising from third-party injury or property damage occurring on the insured's premises or due to their business activities.

Employers' Liability (WIBA)

Covers employers against legal liabilities in case of injuries, illnesses, or death of employees during employment.

Goods in Transit Insurance

Provides protection against loss or damage to goods while being transported from one location to another by road, rail, or air.

Marine Insurance

Covers loss or damage to ships and cargo during transportation via sea, inland waters, or air.

Aviation Insurance

Protects aircraft against damage and provides liability coverage for damage to third parties and passengers.

Contractors' All Risk Insurance

Covers contractors for damage to the construction project, machinery, or equipment, and third-party liabilities during the project period.

Machinery Breakdown Insurance

Provides coverage for the sudden and accidental breakdown of machinery or equipment.

Fidelity Guarantee Insurance

Covers employers against losses due to fraudulent acts committed by employees.

Professional Indemnity Insurance

Protects professionals (e.g., doctors, lawyers, architects) against claims for losses arising from errors, omissions, or negligence in their services.

Plate Insurance

Covers the cost of replacing windows and doors in case of accidental breakage or damage.

Money Insurance

Provides coverage for loss of money in transit, at the business premises, or while stored in a safe, due to theft or other covered risks.

Product Liability Insurance

Covers the insured against liabilities arising from harm or damage caused by defective products they manufacture or sell.

Personal Accident Insurance

Provides compensation for injuries, disability, or death caused by an accident. It covers medical expenses, loss of income, and death benefits.

Political Violence & Terrorism Insurance

Offers protection against loss or damage to property due to politically motivated events, including riots, terrorism, or civil commotion.

Agricultural Insurance

Covers farmers against losses arising from natural disasters, pests, or diseases affecting crops and livestock.

Business Interruption Insurance

Provides compensation for loss of income or profits due to interruption of business operations caused by damage to physical property (e.g., due to fire).

Loss of Profits Insurance

Protects businesses from reduced profitability following an insured peril, typically covering operational expenses until normal operations resume.