Corporate Liability Insurances

Public Liability

This policy covers claims arising from:
• Accidental bodily injury including death to third parties.
• Accidental loss of or damage to third party property happening in connection with the business and occurring within geographical limits described and happening during the period of insurance. This cover can be extended to cover injury or loss relating to goods sold and/or supplied. Proof of negligence on part of insured is necessary.

Workmen Injury benefits Act(WIBA)

This covers employees against death, injury or sickness sustained directly as a result of their work during working hours.

Employers Liability

This covers employees against death, injury or sickness sustained directly as a result of their work due to negligence or breach of common law or statutory duty by the employer. The limit of compensation is subject to the limit of liability as chosen by the employer.

Fidelity Guarantee

This cover indemnifies the employer against direct pecuniary loss resulting from dishonesty, failure in the loyal performance of a duty from the employees. It also extends to cover loss of stock resulting from dishonesty of employees in the course of their employment.

Professional Indemnity

Provides indemnity to the insured against claims, including claimant costs and expenses arising from rendering or failure to render professional services, subject to the limit set in the policy.

Directors & Officers liability

Provides cover for the cost of compensation claims made against a company’s directors and key officers for alleged wrongful acts in their capacity i.e. breach of trust or breach of duty. Coverage can extend to defence costs arising out of criminal and regulatory investigations.

Trustee Liability

Provides cover for liabilities faced by a company for losses caused by an officer(s) or trustee(s) arising from errors or omissions they make in management or administration of property in respect to past, present or future benefits. Cover can extend to litigation costs and costs for reconstruction of data.

Group Personal Accident.

Group Personal Accident is a 24 hour policy that covers employees against death, permanent disability, temporary disability, temporary disability and medical expenses.