Our Products

We make it our business to understand the ins and outs of your insurance contract.

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Short-term Personal Products

Building | Homeowners.

Building insurance protects the physical structure of a property against various risks, such as fire, storms, vandalism, and theft.
It covers the costs of repairing or rebuilding the building in the event of damage or loss.
By securing building insurance, property owners can safeguard their investments and ensure financial stability in the face of unexpected incidents.

Household content

Household content protects personal belongings within a home from risks such as theft, fire, flooding, or accidental damage
It encompasses all the items found within a home, ranging from furniture, appliances, and electronics to personal items like clothing, books, and decor. (i.e. Every item that would fall if the house was to be turned upside down)
It ensures that valuable items can be repaired or replaced without facing financial strain.

Motor | Car

Motor insurance provides financial protection against physical damage, theft, or liability.
It covers the cost of repairs or replacement of the insured vehicle, medical expenses for injuries, and damages caused to third parties or their property.
It ensures that drivers can cover potential costs and liabilities, thereby promoting safer and more responsible driving practices

All Risk | All Perils

All-risk insurance is a comprehensive cover that protects against a wide range of potential risks and damages, except for those specifically excluded in the policy.
It covers all items that an individual can take outside their home including cellphones, clothing, jewellery, sunglasses, handbags and etc.
It ensures that valuable items can be repaired or replaced items without financial burden.

Short-term Commercial Products

Fire

Fire commercial insurance cover protects businesses from financial losses caused by fire-related incidents.
It covers damage to the business premises, equipment, inventory, and other assets due to fire, smoke, or explosions.
It ensures business continuity and minimizes the impact on operations and revenue by providing financial support to recover, repair and rebuild after a fire.

Public Liability

Public liability protects businesses from financial losses arising from claims made by third parties for injury, death, or property damage caused by their operations, activities, or presence.
For businesses that interact with the public, such as retail stores, contractors, event organizers, or service providers.
It helps cover legal fees, medical expenses, and compensation costs if a claim is made against the business.

Goods in transit

Goods in transit cover protects items being transported from one location to another against loss, damage, or theft during the journey by road, rail, air, or sea.
For businesses that ship or deliver goods, such as manufacturers, retailers, or logistics companies.
It helps businesses recover financially from unforeseen incidents but also builds trust with customers by ensuring their shipments are protected.

Motor|Fleet|E-hailing|Taxis

Commercial motor insurance cover protects vehicles used for business purposes, such as delivery vans, trucks, company cars, or fleet vehicles.
It covers risks like accidents, theft, fire, and third-party liability, ensuring financial protection for damages to the vehicle, injuries to drivers or passengers, and damage to other people’s property.
For businesses that rely on vehicles to operate, as it helps mitigate financial losses, ensures legal compliance, and maintains business continuity.

Buildings

Commercial buildings cover protects the physical structure of a business property, including offices, warehouses, retail spaces, and other commercial premises.
It covers damage or loss caused by risks such as fire, storms, floods, vandalism, and theft.
It safeguards the owners’ investment by ensuring that the building is repaired or rebuilt.

Electronic Equipment

Electronic equipment cover protects businesses against the financial loss or damage to electronic devices and systems, such as computers, printers and other specialized equipment.
It offers protection against risks like theft, fire, water damage, accidental damage, and power surges.
It ensures that businesses can repair or replace essential electronic assets, minimizing downtime and operational disruptions.

Office Content

Office content insurance cover protects the physical assets within an office space such as furniture, office equipment, documents, and other supplies.
It covers risks like theft, fire, water damage, vandalism, or natural disasters.
It ensures that businesses can recover financially and replace or repair damaged or lost items, minimizing disruption to operations.

Business Interruption

Business interruption insurance cover protects businesses from financial losses resulting from unexpected disruptions to their operations, such as fire, natural disasters, or other insured events.
It compensates for lost income during the period when the business is unable to operate normally, helping to cover operating expenses like rent, salaries, loan payments etc.
It ensures financial stability and continuity, allowing businesses to recover and resume operations without facing economic hardship.

Directors Liability

Director’s liability insurance cover protects the personal assets of company directors against legal claims arising from their managerial decisions and actions.
It includes defence costs and financial losses resulting from allegations of wrongful acts, such as negligence, breach of duty, or regulatory non-compliance.
It provides peace of mind and financial protection, enabling directors to make decisions without fear of personal financial ruin.

Fidelity Guarantee

Fidelity guarantee insurance cover protects businesses from financial losses caused by fraudulent or dishonest acts committed by employees.
Coverage includes theft of money, goods, or other assets, as well as forgery or embezzlement.
It ensures that businesses can recover financially and maintain operations despite such incidents.