Products

Business Insurance

Comprehensive Coverage for Your Business Needs

Commercial insurance protects businesses from financial losses due to risks like property damage, liability claims, and interruptions. Coverage includes property, liability, business interruption, professional liability, workers’ compensation, and commercial auto insurance. Tailored to meet the specific needs of businesses, it ensures financial security and operational continuity.

Personal Insurance

Comprehensive Coverage for Individuals and Families

Protect yourself and your family with a range of tailored personal insurance policies, including auto, homeowners, renters, and personal liability coverage. Ensure your valuable assets are safeguarded against unexpected risks.

HCV Trucking Insurance

Comprehensive Coverage for the Trucking Industry

Trucking insurance, designed for businesses or individuals with commercial trucks, protects against risks and liabilities. Key coverage includes:

  1. Primary Liability Insurance – Covers bodily injury and property damage from accidents.

  2. Physical Damage Coverage – Protects against collision and non-collision damages.

  3. Cargo Insurance – Covers goods in transit against loss or damage.

  4. Bobtail Insurance – Provides liability coverage when trucks operate without a trailer.

  5. Non-Trucking Liability – Covers personal use of trucks for non-business purposes.

  6. Motor Truck General Liability – Protects against non-driving-related accidents on business premises.

Coverage varies based on operations, fleet size, and cargo type.

Marine Cargo Insurance

Protecting Your Goods in Transit

Marine cargo insurance covers goods during transit, protecting against loss, theft, or damage. Key components include:

  1. Coverage Types: Options include all-risk, named perils, and Free of Particular Average (FPA).

  2. Valuation of Cargo: Compensation is based on invoice, market, or agreed value.

  3. Additional Coverage: Includes options like war risk or delay start-up coverage.

It provides essential protection for goods transported by sea or through other modes, reducing financial risks in international trade.

Engineering Insurance

Protecting Engineering and Construction Projects

Engineering insurance protects engineering and construction projects against potential damages and risks during construction, installation, or operation. It includes:

  1. Construction All Risks (CAR): Covers risks in construction, including fire, theft, and third-party liability.

  2. Erection All Risks (EAR): Covers installation or erection of machinery, plants, or equipment.

  3. Contractor’s All Risks (CAR): Protects general contractors from risks related to construction activities.

  4. Machinery Breakdown: Covers machinery and equipment breakdowns, repair costs, and business interruption.

  5. Professional Indemnity (PI): Protects engineers, architects, and consultants from liability claims due to errors or negligence.

Engineering insurance provides vital protection for owners, contractors, and professionals in the industry.

Agriculture Insurance

Comprehensive coverage for crops, livestock, and farm operations against unforeseen risks.

Agriculture insurance protects farmers against financial losses from crop damage, livestock loss, or unforeseen events. Key types of coverage include:

  1. Crop Insurance: Protects against crop yield or quality losses due to weather or pests.

  2. Livestock Insurance: Covers loss, theft, or death of animals.

  3. Farm Property Insurance: Safeguards farm buildings, machinery, and equipment.

  4. Farm Liability Insurance: Protects against third-party injury or property damage on the farm.

Agriculture insurance ensures stability by managing risks in farming and agribusiness operations.

Body Corporate Insurance

Protection for Shared Properties and Common Areas

Body corporate insurance, or strata insurance, is designed for multi-unit buildings like apartments or condominiums. It covers the common areas and shared property, as well as providing liability protection for the body corporate or owners’ corporation.

Key coverage aspects include:

  1. Building and Common Property: Protects the physical structure and shared areas, including pools, gyms, and parking.

  2. Public Liability: Covers claims for injuries or property damage in common areas.

  3. Legal Liability: Protects against liabilities arising from property damage or maintenance negligence.

  4. Loss of Rent: Compensates for lost rental income if the building becomes uninhabitable due to covered events.

  5. Machinery Breakdown: Covers costs related to the breakdown of building equipment like elevators or HVAC systems.

  6. Workers’ Compensation: Covers work-related injuries or illnesses for employees of the body corporate.

Coverage and premiums vary based on the property’s size, location, and specific risks.

Taxi Insurance

Coverage for Passenger Transport Vehicles

Taxi insurance, also known as private hire or public hire insurance, is designed to protect vehicles used for transporting passengers for hire. It includes:

  1. Third-Party Liability: Covers legal liability for bodily injury or property damage caused to third parties.

  2. Passenger Liability: Provides coverage for injuries or property damage claims by passengers.

  3. Own Damage: Protects the taxi against damage from accidents, theft, fire, or vandalism.

  4. Uninsured/Underinsured Motorist Coverage: Covers costs if involved in an accident with an uninsured or underinsured driver.

  5. Personal Accident Coverage: Provides compensation for bodily injury or death of the driver or passengers.

  6. Breakdown Assistance: Offers roadside help, towing, or alternative transport if the taxi breaks down.

Coverage options and premiums vary depending on location, taxi service type, number of vehicles, and driving history.