Products FAQs

Frequently asked questions on the insurance products offered.

No there is no proposal form. We require the following information:
  • Company details
  • No of employees to be covered
  • Estimated annual wage bill


This policy is meant to provide an indemnity in respect of legal liability for accidental death or injury or damage to property of the public caused other than by the use of motor vehicles.

Scope of cover
Damages which the insured shall become legally liable to pay consequent upon accidental death of or bodily injury to or illness of any persons or accidental loss of or physical damage to tangible property which occurred in the course of or in connection with the business within the territorial limits.

Extension of Cover
1.    Food Poisoning
2.    Wrongful Arrest and Defamation
3.    Legal Defence Costs

Exceptions
Loss resulting from or contributed by any defined event by;
1.    Liability consequent upon injury to any person employed by the insured under a contract of service.
2.    Anybody employed by the insured under a contract of service / control of the insured.
3.    Liability assumed by agreement unless liability would have attached to the insured not withstanding such agreement.
  • You can Pay in monthly installments directly with the insurance company.
  • You can also pay in three consecutive months interest free directly with us.