The Cover encompasses damage caused whilst the works are being undertaken, either due to fire, storm, flood, tempest, snow, hail and frost. The Cover is further extended to include Theft and Malicious Damage. The theft cover is for materials, fixtures and fittings – which must be included in the Contract Value. Theft Cover is always subject to forcible and violent entry to or from the premises.

Faulty workmanship, design and materials are not covered, however, if the Contractor is found to be negligent, resultant damage caused. Construction and erection works often call for the use of heavy, specialized machinery such as tunnel boring machines, earthmoving equipment, cranes, pumps, air compressors etc.

D&O insurance policies offer liability cover for company managers to protect them from claims which may arise from the decisions and actions taken within the scope of their regular duties. D&O cover was first conceived in the late 19th century, and after a long period of obscurity has spread rapidly throughout the industrialized world since the 1980s.

Such policies cover the personal liability of company directors and officers as individuals but also there imbursement of the insured company in case it has paid the claim of a third party on behalf of its managers in order to protect them…

Listed stock companies can also obtain cover for claims against the company itself for a wrongful act in connection with the trading of its securities.

Our philosophy of accepting the right client has enabled us to achieve the levels of service and expertise of the highest standard. We principally work by word of mouth and do not advertise indiscriminately, unlike many of our competitors.

As a result we conduct business with very likeminded people, thereby reducing the risk of fraudulent claims, keeping clients premiums competitive and our service highly personal. Our dynamic team members are all dedicated and passionate about delivering a world class service to our very special clientele.

Our Product Liability Insurance offers cover for damage or injury caused to another business or person by the failure of your product or the product you are selling. If you sell, supply or deliver goods even in the form of repair or service you will need product liability cover against claims of goods causing injury or damage.

Liability Insurance Cover also available for Products Guarantee and Recall.

Our Marine Cargo Policy extends to insure imports and exports of all kinds of products including cover for all transit legs internationally and locally.

It serves as a combination policy to include transit using all modes of transport from sea, air, road and rail for the client’s ‘one stop’ logistics insurance solution.

All professionals can be sued for actual or alleged breach of professional duty or negligence arising out of, or by virtue of, the special skills, knowledge and expertise that characterise their chosen Profession. The damages for which they can be sued are potentially very severe and the Legal expenses to defend any action are potentially crippling. The world in which professionals operate is one of ever increasing pressure, with demands for quick answers and cost effective solutions.

This pressure can lead to errors and omissions by the professional which can and does give rise to claims. This factor together with the litigious nature of our society underscores the need for Professional Indemnity insurance, both for clients and professionals.