Liability Cover critical for those who may be held liable for injuries to others or IF the insured party damages someone else's property and is considered to be at fault

Our main products include:

Public Liability

Indemnity to the insured (or in the event of his death, his legal personal representatives) for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for:

The accidental death of or bodily injury to or disease contracted by any person.

Accidental loss or damage to tangible property happening on or after the retroactive date stated in the schedule within the territorial limits.

Products Liability

The amount payable under this extension inclusive of any legal costs recoverable from the insured by a claimant or any number of claimants, and all other costs and expenses incurred with the company's consent, for any one event or series of events with one original cause or source or during any one (annual) period of insurance, shall not exceed in the aggregate the limit of indemnity for this extension stated in the Schedule.

Directors' and Officers liability

This policy covers directors and officers (and the Company itself where it is legally permitted to indemnify its Directors and Officers) for any wrongful acts committed in their capacity as directors and officers of the Company. The Policy is written in two sections as follows:

The Directors and Officers Liability Section indemnifies the Directors and Officers in respect of any “Wrongful Act” committed in their capacity as Directors and Officers of the Company, where the company is not permitted (either legally or by its articles of association) to reimburse them.

Professional Indemnity

Indemnity to the insured against legal liability under Common Law, for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for damages and claimant’s cost and expenses of litigation as well as costs and expenses incurred by the insured with the company’s written consent.

This policy indemnifies the Insured against any sums for which the Insured becomes legally liable as a direct result of any negligent act, error or omission made by him during the performance of his duties as a professional man/woman (e.g. engineer, architect, lawyer, accountants, etc.). Indemnity will be provided by following the limits, conditions, and activities defined in the policy. The relevant proposal form has to be completed by the client and be submitted to the Insurers for proper assessment of risk.

Medical Malpractice

This policy covers the liability of a Medical Practitioner or a Medical Institution arising out of their negligence whilst performing their professional duties. Submission of a duly completed proposal form is required to obtain terms for this cover.

The company reimbursement section covers the Company only in respect of any reimbursement that it is required, or permitted by law to make to its directors and officers against whom legal action has been sought

SPECIAL PACKAGE COVER

This policy indemnifies the Insured against any sums for which the Insured becomes legally liable as a direct result of any negligent act, error or omission made by him during the performance of his duties as a professional man/woman (e.g. engineers, architects, lawyers, accountants, etc.). Indemnity will be provided in accordance with the limits, conditions, and activities defined in the policy. The relevant proposal form has to be completed by the client and be submitted to the Insurers for proper assessment of risk.

Our main products include:

1. WIBA Compliant Group Life
2. School Combined
3. Tour Operators Combined
4. Bankers Blanket
5. Stock Floater (F,T,GIT)
6. Office And Business Combined

This is a combined peril policy that provides comprehensive insurance cover against risks faced by entrepreneurs.

The policy provides covers for the following risks:

Loss or damage to property including money.

Loss of profits.

Accidental bodily injuries to the entrepreneur and employees.

Claims for bodily injury by accident or disease sustained by employees in the course of employment as provided under the Work Injury Benefits Act 2007.

The policy provides covers for the following risks:

• Business premises: Shops.
• SME: Light industries.
• Aviation insurance will provide coverage for hull losses or damage, liability for passenger injuries and third-party damage caused by aircraft accidents.

TYPES OF AVIATION INSURANCE PRODUCTS

Airport/Products Risks:

Airport liability

Covers all sizes of airports - from a private strip with 20 movements a year to a large commercial airport with over 50,000 movements.

Cover can incorporate:

Control Tower Liability - typically the control of ground movements of aircraft/traffic, take-off and landing control and control of the surrounding airspace (typically +/- 5 miles and 5,000 feet.)

Air Traffic Control - All operations, including control of over-flights in designated areas. ATC Policy to be discussed later. Security -To be discussed later.

Refuelling Liability

Covers the legal liability for bodily injury, and property damage (and can be extended to include grounding liability) arising out of the refining, sale, and delivery of aircraft fuel. This coverage encompasses airport premises and product liability exposure.

Airside Premises Liability

Covers the legal liability arising out of the use of vehicles at airports.

Aircraft Risk

Aviation Hull & Liability

Aviation Hull and Liability Insurance cover any type of aircraft, from gliders to commercial airliners. It is specifically designed to protect against loss or damage to your aircraft; and against a third party or passenger liability arising from an accident.

Hanger Keepers

Hangar keeper’s insurance is a specialized type of liability coverage created for owners of aeroplane hangars who allow third parties to keep their planes in their care. For example, an FBO who offers packing and storage services to clients faces liability risks if a client’s aeroplane is damaged while it is being kept in his hangar