- Aviation Insurance – This covers the risks involved in loss of goods during import/export by sea or air.
- Banker’s blanket bond (BBB)
This policy protects a bank against losses from a variety of criminal acts carried out by employees. Most banks require blanket bond coverage as a condition of operating a bank. Is a fidelity bond purchased from an insurer through a broker. - Business Interruption Policy – The Business Interruption Insurance pays for those indirect losses following loss or damage to property. The items paid for include: Net Profit, Standing charges (i.e. expenses that are still incurred during the period of disruption, such as salaries, certain wages, rents and rates: Any necessary additional expenses incurred in minimising the loss (eg. renting temporary accommodation).
- Cash In Transit
This policy is specifically designed to protect the insured from:- Loss of money arising out any cause
- Loss of or damage to safe/strong room
- Any case in which money is being carried
- The goods or property of the insured or for which the insured is legally responsible caused by theft or attempted theft.
- Contractors All Risks (CAR) – This is a package policy that provides indemnity to the insured against loss or damage to the contract works, the insured’s plant and machinery and liability to third parties in respect of death, bodily injury or property damage.
- Contractor’s Plant And Machinery (CPM)
The policy covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement. This is an insurance of contractors’ plant and machinery that is done on an annual basis. - Cyber Insurance Technology, social media and transactions over the Internet play key roles in how most organizations conduct business and reach out to prospective Customers today. Whether launched by hackers, criminals, insiders , cyber- attacks are likely to occur and can cause moderate to severe losses for organizations.
- Goods–in-Transit Insurance – This policy indemnifies the insured for loss of or damage to merchandise in transit by caused fire, accident and theft/pilferage following an accident to the carrying vehicle.
- Directors and officers liability – This Policy shall indemnify the Directors or Officers of the company against Loss arising from any claim or claims made against them jointly or severally during the Period of Insurance by reason of any Wrongful Act committed in the capacity of Director or Officer of the Company.
- Electronic All Risk
This policy is specifically designed to meet these needs for both owners and hirers of equipment.
Key Features:- Covers a variety of equipment from audio visual equipment through to medical equipment.
- Covers owned equipment and hired in equipment as well as data media.
- Worldwide data media cover.
- Further cover for resultant additional expenditure or financial loss can be purchased.
- Fidelity Guarantee Insurance
This policy protects you by compensation you for any direct financial losses that result from acts of dishonesty by the employees. That is, should one of the employees commit theft, fraud or dishonesty towards your Company. - Group Personal Accident policy is designed to compensate the insured against bodily injury loss of limb or limbs, loss of eye or eyes, permanent total disablement, temporary total disablement, medical expenses and death.
- Marine Insurance- This policy covers the Hull and Cargo. The hull insurance provides coverage on the vessel plus collision liability coverage for property damage to property not on board the vessel. The Cargo
- Public liability- This will give you protection from liabilities that may arise against you as a result of negligence or omission.
- Product liability
There is a risk of dispensing wrong medications or drugs that have high side effect that could result in an injury .These cases sometimes involve drugs that have been on the market for a long time before it is discovered that they increase the risk of a certain type of injury, such as heart attacks. As an extension of the public liability insurance policy, the product liability insurance covers NCHS against legal damages as a result of bodily injury, illness or death to a person caused by any defect to a product you sell or supply. - Professional Indemnity- it covers liabilities incurred as a result of negligent acts and advice as part of professional service.
- Workmen’s Compensation – This is a policy that will cover the liabilities that may arise from workplace injury, illness, death, other degrees of partial incapacitation and medical expenses.
- Keyman InsuranceThis is an insurance policy where the employer is the proposer and pays the premiums. The life insured is that of the employer’s key employee and the benefit, in case of a claim, goes to the employer. The objective is to safeguard the company in case of an untimely death of the keyman with insurance proceeds received.