Corporate Products

AVIATION INSURANCE

The insurance of aviation risk is constantly undergoing changes as a result of new developments in technology arising from the production of larger and faster types of aircraft.

BOILER INSURANCE

The policy covers the result of explosion or collapse of the insured’s boilers and covers the following losses.

BOND

Under this class of policy, the cover provided is in respect of the contractual liability on the contractor towards the principal/employer in respect of an obligation required to be performed or supplied.

BURGLARY INSURANCE

This policy will indemnify the insured against loss of or damage to your property as a result of burglary or any attempt thereat accompanied by actual forcible and violent breaking

COMPUTER (ALL RISKS) INSURANCE

In view of the increasing use of electronic data processing facilities by a large number of Nigerian firms either for accounting or allied work, we offer insurance protection for this equipment under a computer all risk insurance policy.

CONSEQUENTIAL LOSS

This class of Insurance is designed to indemnify you against loss of earning following damage/loss caused by fire and special perils to property insured.

DIRECTOR & OFFICERS LIABILITY

(Often called “D&O”) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, as indemnification (reimbursement) for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

EMPLOYERS LIABILITY

It is designed to provide an open and fair system of guaranteed and adequate compensation for employees or their dependants in the event of death, injury, disease or disability arising out of, or in the course of, employment.

FIDELITY GUARANTEE POLICY

This insurance provides adequate compensation in the event of loss of money, goods and/or stock emanating from the dishonesty, defacement, embezzlement, forgery and fraudulent conversion by the employees.

FIRE & SPECIAL PERILS INSURANCE

The standard fire policy will indemnify you against physical or material destruction to buildings and/or their contents, occasioned by any of the following perils: Actual fire, Lightning, Explosion, Bursting or overflowing of water tank, pipes and apparatus, Aircraft and other aerial devices or articles dropped there from, riot, flood, bush fire etc.

GENERAL ACCIDENT – AUTOMOBILE CONTINGENT LIABILITY

When a company leases a vehicle to another person, it remains the legal owner even though it does not regularly use the vehicle.

GOODS IN TRANSIT INSURANCE

This policy is designed to provide you with adequate compensation in respect of loss or damage to the goods/products by any accident or misfortune whilst in transit or in course of loading and unloading in the ordinary course of transit anywhere in Nigeria.

GROUP PERSONAL ACCIDENT

Group Personal Accident is a policy that provides a group of employees/ people with 24 hours protection against accidental injury or death resulting from works, sports, leisure, domestic and other activities carried out within a geographical location.

INDUSTRIAL ALL RISKS

This is a combined policy and basically incorporates fire, fire consequential loss, theft, and accidental
damage perils. With this policy, there will be no need of taking out Fire and Fire Consequential
Loss Policies as well as Burglary.

MACHINERY BREAKDOWN INSURANCE:

This important form of protection is available to cover the machinery (already fixed and in use) against damage caused by breakdown from sources within the machinery.

MARINE CARGO INSURANCE

This class of insurance insures your imported goods/products in the course of the sea voyage (or air freight) from country of origin until arrival in Nigeria against maritime risks and other contingencies including fire, breakages, war, strike etc.

MARINE HULL

This policy provide cover for ocean going vessels against maritime risks which may endanger the crew, machinery, gear or equipment normally used on the vessel, while being used at sea or inland waters or in port, docks.

PLANT ALL RISK

This important form of protection is an all risks cover available to cover items of plants and machinery while at the location or within the geographical area mentioned in event of any unforeseen and sudden physical loss or damage from any cause not specifically excluded.

PROFESSIONAL INDEMNITY

If you are alleged to have provided inadequate advice, services or designs to a client, professional indemnity insurance provides cover for the legal costs and expenses in defending the claim, as well as compensation payable to your client to rectify the mistake.

PUBLIC LIABILITY INSURANCE

This compensates you for your legal liability to third parties for personal injury by accident and/or damage to their properties arising from your business operations carried out on your premises or area/site of operation.

WORKMEN COMPENSATION

This offers compensation for bodily injury caused by violent, accidental and visible means arising out of and in the cause of employment only.

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