General Accident and Liability Insurance

Comprehensive General Liability

1.  Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury in the course of business operations

Ideal for any business that has customers or where the general public comes in and out

• Restaurants
• Shops
• Hotels
• Clinics 
• Malls 
• Schools 

Comprehensive Personal Liability

Covers the expenses that arise from legal liability to third parties arising from accidental property damage and/or bodily injury while doing personal activities

Errors & Omissions/ Professional Indemnity

Covers the expenses that arise from legal liability to third parties while conducting professional duties resulting from ‘breach of professional duties’

You may need professional indemnity insurance if you:

• provide expertise, skills or advice to clients
• have access to clients’ confidential information
• produce materials that could infringe intellectual property rights
• provide a professional service and could be challenged on your work

Ideal for: 

• Architects 
• Engineers 
• IT or business consultants
• Accountants 
• Designers

Burglary Insurance

Protects against loss of property while inside residential or business premises

Money, Securities, & Payroll Robbery

Protects against loss of money used for business operations, in case of robbery/hold-up, burglary, brigandage

Fidelity Guarantee Insurance

Protects against financial loss due to dishonest/fraudulent acts of regular employees

Ideal for:

• Any business that involves employees that handle:
• Money 
• Goods 

Property Floater

Covers the expenses incurred from loss or damage to moveable property such as heavy equipment, machines, portable electronic equipment, paintings.

Merchandise Floater

Covers the expenses incurred from loss or damage to various cargo during in-land transit, against truck risks (perils of the road) and/or robbery/hijacking