House Protect

This is your first house contents insurance cover. House protect is a must for any modern individual or family.

The policy covers the following:-

• Loss or damage to items such as furniture, clothes, bedding & curtains, carpets, gas cylinder and electronics as a result of fire or house break-in which is accidental in nature.
• Loss or damage to the items listed below as a result of floods, explosion, riots and strikes.
• Medical expenses incurred by you as a result of injury caused by fire or house break-in.

This policy however does not cover the following:-

• Loss or damage by short circuiting, power surge or electrical fault.
• Loss or damage intentionally caused by insured or any person staying with insured.
• Contents of residential houses with walls constructed of timber, corrugated iron sheets, mud or coral stones.

House Insurance

This policy covers homes which are either on rental or solely owned. The policy is broken down to the following sections:-

1. Section A: Buildings – Covers residential buildings (1st construction) against fire, explosion, lightening, earthquake, riot & strike, malicious damage, storm, flood, burst pipes and impact.
2. Section B: Contents – Covers damage to household contents against fire, explosion, lightening, earthquake, riot & strike, burglary, malicious damage, storm, flood, burst pipes and impact only while within the residence.
3. Section C: All Risks – Covers loss or damage to personal effects worldwide i.e. cameras, prescription glasses, phones, laptops or jewellery.
4. Section D: Workmen’s Compensation – Provides cover for death or injury to domestic servants while in the course of employment.
5. Section E: Owner’s Liability – Covers insured’s legal liability to third parties for death, injury or damage to property arising out of the ownership of the property.
6. Section F: Occupiers Liability – Covers insured’s legal liability to third parties for death, injury or damage to property arising out of the occupancy  of the house.

Professional Indemnity

This policy is intended for professionals such as Lawyers, Medical Practitioners, Accountants, Architects and Civil Engineers.

The insured has the flexibility of designing the kind of cover that they need.

It provides cover up to the limit of the indemnity for any sums that the insured may become legally liable to pay arising from beach of duty, by reason of negligent act, error, omission committed during the policy period.

It’s a claims made policy and the act must be committed or allegedly committed by insured and reported to the company while the policy is in force.

It provides for an extended reporting period of 30 days after expiry or lapse of policy.

Golfer's

This policy is designed to give cover to golfers against the following contingencies happening on any golf course or club premises:-

• Loss or damage to golfing equipment (Clubs, bags and caddie cars).
• Fire, theft or larceny – Loss or damage to personal effects other than golfing equipment and valuables.
• Hole-in-one: Out of pocket expenses included as a result of the insured holding out in one stroke whilst playing in a competition  or friendly game.
• Liability to the public: Indemnity in respect of claims by the public (Caddies / Ball boys included) for personal injury and damage to property.

An optional cover for Personal Accident is available under Personal Accident resulting in death, permanent total disablement, temporary total disablement and medical expenses.