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This is also an “All Risks” policy covering goods being carried from one location to another. Any loss not specifically excluded under the policy is covered and the insurance is suitable for any organization that is engaged in movement of goods either by road or rail and the cover will operate when the goods are being conveyed by owner’s vehicle or hired vehicles. Losses arising from fire and theft are covered under this policy.

This is a form of guarantee by the Insurance Company that the contractor will execute the contract to the extent of the amount received for the purpose of the contract. The guarantee goes further to state that failure to use the contract sum insured for the contract work by the contractor, the Insurance Company will pay the principal or employer in whose favour the Bond is made, the stated amount.

Household Comprehensive Insurance provides covers for household goods and personal effects of your employees (Management Staff only) such as clothing, jewelry, wristwatches, utensils, television, fridge, freezers, stereo and all the electronic gadgets etc. used in the house. Cover provided is against fire, burglary and accidental damage to the insured.

This provides for financial loss resulting from reduction in earning or increased cost of working following damage by insured perils.

The following are covered under the policy

This policy indemnifies the insured against physical damage or destruction to building and/or their contents specified in the policy by fire or other insured perils like Explosion, Storm, Tornado, Flood, Earthquake, Malicious Damage, Riot and Strike, Bursting & Overflowing of Water Tanks, Pipes and other Apparatus.

A comprehensive survey of the premises would have to be carried out before the policy is effected. The surveyors would make recommendations on risk reduction measures and advise on the estimated maximum loss amongst others

This class of Insurance is statutorily compulsory in Nigeria as provided in workmen’s Compensation Act 1968 and subsequent amendments. The statute made it compulsory for all employers of labour to insure all their employees irrespective of position against accident occurring during and whilst in the course of their employment. The workmen’s compensation covers the employees only during working hours, against death, permanent disablement, temporary disablement and unlimited medical expenses.

Comprehensive Motor Insurance will be arranged for all the private and official vehicles belonging to the organization and employees in order to obtain adequate cover for such vehicle. Comprehensive policy covers legal liability to third parties for death, bodily injuries and property damage. It will also indemnify the policyholder for the loss or damage to the vehicle resulting from road accident, fire and theft.

This policy will be arranged on a fleet basis. Policy arranged on a fleet would usually attract reduced premium.

It is envisaged that money will be collected from the bank for the payment of wages and salaries and at the same time money kept in the premises for petty cash and other purposes. Money Insurance policy will cover the loss or damage to the money in transit to and from the bank, money in your premises during hours, money in a securely locked safe after business hours

This is Insurance cover arranged to cater for some benefits to a beneficiary or the assured at maturity. It helps to provide source of income to loved ones in the event of a loss of the assured. It can be arranged for an individual, group of persons and employees of corporate organizations.

Cargo: This type of policy is issued to provide indemnity for loss or damage to imported good being conveyed by sea or air

Hull: This type of policy is issued on vehicles and yachts to provide indemnity for any loss, damage or liability that may arise from their

This policy will cover the organization’s properties such as Office Furniture, Fittings and Equipment from loss or damage resulting from theft by force or violent entry to or exit from the premises.

This policy is designed to cover the dishonesty or fraud committed by your employees who are in custody or money such as cashiers, accountants, accounts clerks and storekeepers.

These are schemes that take care of an employee’s income after retirement or disengagement from service.

This policy cover loss of or accidental damage to the insured machine in the circumstance specified in the policy