This form of policy is tailored to the needs of individuals and can be taken out by corporate bodies for the benefit of specific employees especially the executive management.  The policy’s scope of cover is very wide and it includes all the range of perils highlighted under the Fire/Extraneous Perils policy above as well as loss or damage resulting from theft.  It also provides, as an option, a personal liability covers of up to 200,000.00 in respect of each individual whose property is covered under the policy.  Items usually covered under the policy are as follows:

Buildings

Personal Effects

Jewelry and Precious Articles

We will also require your advice on the replacement cost of the above items to enable us quote.

This is a form of policy that protects an organization against loss of money or valuable stock as a result of dishonesty or fraudulent activity of employees.  It is possible to grant cover on named basis, positions basis or on a blanket basis.  In any of these cases, the number of persons and the limit of guarantee on any one loss would be advised as well as the aggregate amount of guarantee in a given year.  Once we have this information, we would be in a position to quote for premium payable.

This policy has a very wide scope of cover and is specifically tailored to suit protection of portable and valuable items such as jewelry, cameras, and mobile phones.  The attraction of the policy stems from the fact that cover will operate wherever the item is lost or damaged.  The policy covers practically all risks with certain exclusions such as electrical or mechanical derangement or defect.

To enable us quote for the premium, we need to be advised of the make and type of the item to be covered as well as the year of manufacture and the current replacement cost. 

This policy also covers the insured against legal liability to third party for cost or expenses incurred in respect of accidental death, bodily injury and accidental damage to property or at work-away premises.

The vicarious liability of the insured’s employee can also be covered provided it arose in the course of carrying out his official duties.  Please indicate the limit of cover required to enable us advise the premium payable.

This type of policy is designed to indemnify the insured against loss or damage resulting from theft or attempted theft which is accompanied with actual forcible or violent entry into or out of the premises or any attempted theft which is accompanied with actual forcible or violent entry into or out of the premises or any attempt thereat.

The items usually covered under this policy are similar to those under the Fire/Extraneous Perils in 1.1 above with the exception of Buildings and loss of Rent.  The replacement cost of the relative items would have to be supplied to enable us submit our quotation.