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LIABILITY POLICIES

General Liability Policy

It insures business concerns against their legal liability in respect of death or bodily injury to third parties and losses/damage to third party property. For example, an insured‟s liability to a client going to the insured‟s office that falls and is injured from a faulty staircase may be compensated under this policy.

 

Products Liability Policy

This covers the insured‟s legal liability arising from defects in products manufactured or supplied by him.

 

Professional Indemnity Policy

This covers a professional against his legal liability to third parties incurred whilst engaged in his profession. For example, a legal claim against a Medical Officer who negligently prescribed a wrong drug to a patient. The Medical Officer may fall on his professional indemnity insurers to bail him out.

FIDELITY GUARANTEE

Fidelity Guarantee Policy

This policy is designed to compensate employers against loss of money or stock through fraud or dishonesty of their employees in the course of performing their duties. The policy is beneficial for organizations with employees who handle cash on a regular basis.

The policy indemnifies insured against financial losses:

Committed by employees as a result of fraud

When the fraud is detected during the period of insurance.

 

When employee has been prosecuted for fraud or there is evidence that the fraud was committed by the employee.

WORKMEN'S COMPENSATION

Workmen’s Compensation Policy

The workmen‟s compensation policy indemnifies the employer against his legal liability for injuries to his employees resulting from accidents occurring in the course of their employment.

The definition of a worker has been expanded to include any person who receives salary or wages except an outworker and a family member of the employer living with the latter or where the Law prohibits as a worker.

Besides, compensation for bodily injury there is provision for payment of Medical Expenses as a result of the injury.

 

An employer may choose to insure his liability under the Act and in addition can extend his liability to cover claims under Common Law.

MONEY INSURANCE

Money Insurance (Cash In Transit, Cash In Safe, Hold Up)

This comes under Money Insurances and covers loss of money being transported from one place to another. The policy can be extended to cover cash in a locked safe.

1. Highest amount of Money likely to be in transit at any one time

2. Security Measures in place during transit or on premises

3. Type, nature, make and model of safe in use.

4. Whether Staff in charge of Money has a Fidelity Guarantee Policy

5. Estimated Annual Carrying

6. Security measures at the premise which houses the safe.

7. Any cover against „Hold-up‟.

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CONTACT US

For more information on our insurance policies please call us on: (030)763065,763171

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