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General Insurance

Features & Benefits

Fire Insurance

The basic fire policy provides coverage for your property against loss or damage caused by fire or lightning.

House Owner/Householder

This policy provides coverage for your house and its contents and covers loss or damage by fire, lightning, explosions, flood, or burst pipes.

All Risk

This policy covers you against loss or damage to your insured property caused by fire, theft, or any other accident or misfortune that occurs.

Money Insurance

This policy covers the loss of money in the form of cash, banknotes, currency notes, cheques, postal orders or money orders while it is on the insured premises or whilst in transit.

Personal Accident

This policy provides comprehensive 24-hour worldwide protection to the Insured for bodily injury caused by accidental means that result (directly and independently of any other cause) in death, disablement, medical and other expenses within twelve calendar months.

Hospital & Surgical Insurance

This policy covers the cost of medical treatment incurred during hospitalization, due to accident or sickness.

Marine Cargo

This product will cover your goods/subject-matter insured from physical loss or damage, while transported from one place to another by various conveyances.

Contractor All Risk (CAR)

The policy covers the work to be executed in accordance with a contract including temporary work, materials, construction plant and equipment brought onto the site and liabilities arising out of the performance of the contract. In general, CAR insurance is intended to cover buildings, and civil engineering works under construction.

Public Liability

This policy indemnifies you against all sums which you shall become legally liable to pay in compensation with respect to:

  • Bodily injury to or illness of any person
  • Loss of or damage to property

            Equipment Insurance

            This policy covers loss or damage to your equipment and its standard accessories/parts caused by:

            • Accidental collision or overturning, consequent to mechanical breakdown or wear and tear;
            • Fire, external explosion, self-ignition or lightning;
            • Burglary, house break-in or theft

                      Burglary Insurance

                      This policy covers you against the following events while insured:

                      Loss of your insured property whilst contained in the specified premises by:

                      • Theft resulting from actual forcible and violent entry upon the said premises or committed by any person or persons feloniously concealed thereon; or
                      • For Private Residences and/or Residential Flats only, by being wrongfully taken or carried away from the premises with felonious intent

                      Damage to the premises due to theft or attempted theft that will be borne by you.

                                Workmen Compensation

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                                • The Workmen’s Compensation Law(s) or substitution of other legislation; or
                                • Common Law

                                          DISCLAIMER:
                                          The description of coverage above is a summary. Complete information on the terms and conditions are stated in the contract policy.

                                          Elegibility

                                          Applicable to business entities, subject to insurer’s risk acceptance


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