Fire and Lightning Insurance
Fire and Lightning Insurance
Coverage for losses and damages caused by fire and lightning. Coverage can be expanded to include additional perils such as explosions, storms, hurricanes, earthquakes, volcanoes, landslides, floods, pipe leaks, automatic sprinkler failures, machinery and equipment explosions, floods, aircraft or object crashes, vehicle collisions, theft, loss of profits, loss of rent, loss of wages, riots, civil disturbances, and labour unrest.
Property All Risks Insurance
Coverage for all risks to property from loss arising from any unforeseen cause that cannot be avoided or controlled. Unlike other types of insurance, which only cover the causes listed within the policy, property all-risk insurance provides very broad coverage for all risks to property of any kind, except those specifically excluded. Coverage can also be extended to include losses resulting from business interruption due to property damage, as well as losses resulting from riots, strikes, malicious damage, and civil commotion.
Household Insurance
Covering the home and its contents against the risks of fire, lightning, burglary, water leakage from tanks and pipes, burst water pipes, explosions of heaters and gas cylinders, storms, earthquakes, theft, forced entry into the building, intentional harm by others, overflowing tanks, falling aircraft or objects from the air, collisions with road vehicles, loss of rent, expenses incurred for staying in a hotel or alternative accommodation due to the home becoming uninhabitable, and civil liability towards third parties.
Machinery Breakdown Insurance
Coverage for sudden and unexpected losses or damages to machinery during operation or shutdown, due to internal or mechanical/electrical failure, including repair or replacement costs. Machinery that can be insured includes electric motors, turbines and generators, compressors, manufacturing machines, production lines, boilers and pumps, and industrial refrigeration and air conditioning systems. Coverage may include sudden mechanical breakdowns, internal electrical failures, excessive vibration or malfunctions, lubrication or cooling defects, human errors during operation, and malfunctions resulting from sudden stoppages or restarts. Coverage may also include repair or replacement costs, transportation, disassembly and installation costs, and the wages of specialized technicians.
Electronic Equipment Insurance
Coverage for delicate electronic devices and equipment against sudden and unexpected malfunctions or damage, whether during operation or temporary downtime. Coverage includes personal and laptop computers, servers, network equipment, medical imaging equipment, MRIs, advanced photocopiers and printers, monitoring and control systems, communication systems, switchboards, broadcasting and media production equipment, and factory measurement and control devices. Coverage can include sudden physical damage to the device due to: electrical faults, water or moisture leaks, human error during operation, device drops or collisions, fire or smoke, and theft. Coverage can also include repair or replacement costs, technician fees, and the costs of transporting and returning the device for maintenance.
Burglary Insurance
Coverage against loss or damage to the contents of the site due to burglary or robbery using violence and force as a result of breaking windows or piercing walls, ceilings or floors leading to them, or robbery by force that occurs by threat or by brandishing or using a weapon or by using violence.
Glass Insurance
Coverage for Glass in buildings or structures from damage or breakage that may occur as a result of unforeseen events. This insurance can cover windows, glass doors, glass facades, and other glass elements in a building. Typically, it includes windows, glass doors, glass facades, glass shelves, and other glass surfaces. Coverage includes breakage or cracks, damage due to accidents, damage caused by weather conditions, damage due to theft, and glass damage resulting from fire.
Cyber / Computer Crimes Insurance
Covers businesses and individuals against risks arising from cyber incidents or attacks, such as hacking, data theft, malware, or security breaches. This insurance provides financial coverage against losses resulting from online criminal activities targeting sensitive information, such as financial data, personal data, or intellectual property. It covers risks related to the electronic systems of businesses or individuals, including damages that may result from cyber attacks, hacking, malware, or breaches affecting data or systems. It includes cyber attacks and hacking, data theft, malware, business disruption, legal advice and defence, incident reporting, recovery and remediation, and cyber extortion.