General | Life | Health Insurance

Product Catalogue 2025

Personal Lines
I. Motor Insurance
Safeguard your vehicle against unforeseen risks such as third-party claims in respect of
death, injury or property damage; own car damage, theft, fire and other allied perils.
Coverage includes comprehensive and third party covers tailored to meet your needs.
Covers include:
1 Private car insurance - Comprehensive
2 Private car insurance - Third Party Only
3 Motorcycle Insurance

II. Home Insurance – Domestic Package
Protect your home against Fire, Burglary and natural calamities which might cause huge
financial losses to your family and business.

III. Travel Insurance
Travel worldwide without worry by protecting yourself against luggage loss, personal
accidents and delayed flight extra charges. Sign with us today 100% online 24/7

IV. Personal Accident Insurance
Take a cover to ensure that there is compensation in the event of injuries, disability or
death caused solely by, accidental, external and visible events.

V. Individual Pension
Accumulate funds for your retirement years as you take advantage of tax incentives by
establishing an Individual Pension Plan with us.

VI. Investment Plans
We provide savings and investment plans that offer you an opportunity to save, invest, and
accumulate funds for your future.

Available options include:
 Money market funds
 Unit trusts
 Annuities
 Fixed income fund
 Educational policy

VII. Individual Life Insurance
Take an ordinary life insurance cover to ensure that in the event of death, critical illness,
terminal illness, temporary or permanent disability, your loved ones will continue to enjoy
quality life.
Available options include:
 Term life assurance
 Whole life assurance
 Endowment policies

VIII. Individual Health Insurance
Take medical insurance cover to protect yourself and your loved ones. Available covers
include:
 Individual medical cover
 Family medical cover
 Seniors medical cover
 Critical illness cover.

Corporate and SME Lines
Our tailormade insurance solutions will accelerate business growth by giving you peace of
mind. Safeguard your business while maximizing your potential with the following
products:

I. Motor Insurance
Take insurance to cover loss or damage to your business/commercial vehicle(s); including
legal liability to third parties. Covers include:
1 Motor Commercial - Own goods
2 Motor Commercial - General cartage
3 Fleet Insurance

4 Motor Commercial - Third parties
5 Public Service Vehicles Covers
6 Chauffer driven/Uber

II. All Risk Insurance
Take an all-risks insurance to cover for a wide range of perils, except the ones specifically
excluded from the policy. An all-risks insurance may cover property damage; theft and
burglary; fire damage; damage by floods, earthquakes and storms; and loss of business
income.

III. Fidelity Guarantee
 Get maximum protection against loss of money or goods from business premises, through
dishonest/fraudulent acts of employees. With this cover you are guaranteed business
continuity.

IV. Electronic equipment
This policy covers sudden and unforeseen physical damage including breakdown to the
electronic equipment covered under the policy due to any reason not specifically excluded.

V. Money Insurance, Bonds and Credit Insurance
Money insurance policy covers the loss of money in transit between the bank and the office
or between offices. Loss due to theft and attack is covered and can be extended to cover
the loss of money in a safe, in the counter and money with directors. Our bonds products
include performance bonds, bid bonds, fidelity guarantee, and customs bonds. Credit
insurance protects your businesses against the risk of non-payment from customers.

VI. Marine Insurance
This covers goods/cargo, freight and other interests against loss or damage whilst being
transported by sea, air or Inland means. Our comprehensive coverage guarantees you
success in your business.
Classes include:

1 Goods in Transit
2 Carriers’ liability

VII. Fire Industrial
Fire can occur at any given time and often, when you are least prepared. Our fire industrial
insurance cover will ensure you mitigate business losses.

VIII. Burglary
If you are worried about damage or loss to your valuables as a result of forceful or violent
breaking and entering to your property, we got you covered. Take our burglary policy and
have a peace of mind.

IX. Liability Insurance
Liability Insurance cover is critical for businesses and corporate entities who may be held
liable for injuries to third parties and/or damage to third-party property for which they are
legally liable. This also covers professional malpractice.
Classes include:
1 Public liability
2 Product liability
3 Director and officers’ liability
4 Employers’ liability
5 Professional indemnity
6 Hospital malpractice

X. Group Personal accident
This coverage provides compensation in the event of bodily injury sustained by the insured
24 hours worldwide. Best suited for corporates and SMEs.

XI. Corporate Medical

Our coverage is designed for businesses, corporates, and groups from 3 employees and
above. This comprehensive plan ensures that every member of your staff receives the
health support they need to thrive, from routine check-ups to specialized treatments.

XII. WIBA (Work Injury Benefit Act)
Protect your employees whilst on duty and engaged in the execution of your business &/or
any project undertaken by your organization, against accidental bodily injury, disablement
or death.

XIII. Engineering
This policy covers a wide range of engineering related risks related to industrial machinery.
We offer covers on various classes of engineering insurances as follows: 
 Contractor All Risks
 Contractors Plant and Machinery
 Electronic Equipment
 Machinery/Equipment Breakdown
 Machinery Breakdown and Loss of profit
 Boiler policy

XIV. Group Life Insurance
Our coverage compensates the assured due to loss of income occasioned by death or
disability.
Benefits include:

1 Group Life Cover- This is payable in the event of death of the member as a multiple
of Salary or as a fixed amount
2 Last expense cover - This is paid to assist with basic funeral expenses. It is payable
within 48 hours upon lodging claim
3 Critical Illness Cover - The cover is worth 30pc of the selected death benefit payable
in the event of the Member contracting a disease or requiring treatment qualifying
as Critical Illness

4 Permanent and Total disability - This is payable in the event that one becomes
permanently disabled by accident or illness such that the member is never likely to
engage in his occupation again

XV. Corporate pension plan
We offer employers an opportunity to save for their employees’ retirement saving plans to
accumulate funds payable once they attain retirement age.

XIV. Special Classes
 Agriculture insurance: is a specialized type of insurance designed to protect farmers,
ranchers, and agricultural businesses against losses related to crop production,
livestock, and other agricultural activities. Includes Crop Insurance; Livestock
Insurance; Index Based Livestock Insurance;
 Aviation insurance provides coverage for aircraft and their operations, offering
protection for owners, operators, and passengers against various risks associated
with flying. Includes Aircraft Hull Insurance; Passenger Liability Insurance and
Aviation Business Insurance.

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