General Accident Insurance
Our comprehensive general insurance covers a range of risks, from Group Personal Accident for senior employees to Burglary and Asset All Risk protection. We safeguard your assets against employee fraud, ensure seamless goods-in-transit, and provide liability protection for directors. With tailored solutions, we enable you to focus on business growth with confidence.
General Accident Insurance Policies
We provide comprehensive general accident insurance, offering peace of mind whether at home, commuting, or engaging in activities. Customize your policy to fit your specific lifestyle and enjoy tailored coverage for protection against unexpected accidents.
Group Personal Accident
It is a 24-hour policy designed to provide compensation to the insured or his legal representative for:
- Death
- Permanent total disablement
- Temporary total disablement
- Medical expenses
It is an accident cover ideal for senior employees. Benefits are not limited to only work-related accidents.
Burglary (Business Premises)
This policy covers property loss or damage by theft following forcible and violent breaking into or out of your Commercial or Business premises or any attempt thereat.
Fidelity Guarantee
This policy protects you against the infidelity of employees such as accountants and cashiers who deal with the finances of the company. The policy shall reimburse you for all loss of money due to fraud and dishonesty by accountants and cashiers.
Money Insurance
The policy indemnifies the insured for any loss of money from causes not explicitly excluded whilst kept within the insured premises and during transit.
Asset All Risk
This Comprehensive policy covers accidental damage, fire and burglary to the insured Items. Losses from every risk are covered except those expressly excluded.
Asset All Risk
This policy provides indemnity to the insured for his legal liability for:
- Accidental bodily injury to or illness or death of a third party.
- Accidental loss of or damage to property occurring in connection with the insured’s business if such injury or damage occurs on the insured’s premises.
Products Liability
A Product Liability policy indemnifies the insured against legal liability to pay compensation arising from any defect in the products manufactured by the policyholder and covered under the policy. Essentially, product means any tangible goods or property after it has left the custody and control of the manufacturer – which has been designed, specified, formulated, manufactured, constructed, installed, sold, supplied, distributed, treated, serviced, altered or repaired by/or on behalf of the insured.
Professional Indemnity
This policy covers professionals such as Architects, engineers, Doctors, Accountants and Consultants, among others, against. against their professional negligence during their practice.
Goods-in-Transit
This is an Insurance cover for loss or damage to goods while in transit by any insured vehicle. The loss of damage should be covered by
- Fire
- Theft following violence or theft, be it by the employees of the insured or carrier
- An accident to the carrying vehicle.
Cash-in–Transit
This is an Insurance policy against loss of money in transit or whilst secured in the insured’s vault or built-in-metal safe.
Bankers Indemnity
This is a unique policy for Banks which provides cover for claims arising out of errors, omissions, misstatements, misleading statements, neglect, breach of trust or breach of duty, among others.
Plate Glass
This is also a special policy that covers loss or damage. Ideally, It is suited for all business establishments with plate glass installed in their business premises, including, but not limited to, showrooms, shopping complexes, restaurants, hotels, theatres and stadiums.
Director’s Liability
This policy protects the Directors by providing indemnity for any loss arising from a claim due to a “Wrongful Act” committed while they are carrying out their duties and obligations in their position as Directors or Officers. In today’s litigious environment, Directors or Officers are held personally liable for the management of the affairs of the company. The exposure is not limited to large corporations, but Directors of small and medium companies are similarly exposed.
Buy General Accident Insurance today call +233 302 213 940 or WhatsApp +233 244 334 407.
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