Comprehensive Protection for Your Valuable Assets
Property Insurance
Public Liability
Protects businesses against legal liability for third‑party bodily injury or property damage arising from their premises or operations, including defence costs.
Who this cover is designed for
- Retailers and hospitality venues
- Facilities and property managers
- Premises‑based businesses
What this cover typically includes
- Third‑party injury
- Property damage to others
- Defence costs
Why this cover matters
- Occurrence‑based wording for clarity
- Contract‑ready limit options
- Supports rapid claims coordination
Typical situations where this cover helps
- Customer slip and fall
- Damage to a visitor’s property
Third Party Liability (General)
Covers third‑party liabilities from operations away from the insured’s premises, including work at client or project sites.
Who this cover is designed for
- Contractors and service companies
- Mobile workforces
- Project‑based SMEs
What this cover typically includes
- Operational BI/PD to third parties
- Products/completed ops where written
- Defence costs
Why this cover matters
- Broad off‑premises protection
- Easy to align with contract clauses
- Worldwide territorial options as agreed
Typical situations where this cover helps
- On‑site accident at client facility
- Damage caused during installation work
Professional Indemnity
Protects professionals against claims for financial loss arising from negligence, errors or omissions in the delivery of professional services.
Who this cover is designed for
- Consultants and designers
- Accountants and auditors
- IT and tech service firms
What this cover typically includes
- Negligence and breach of duty
- Defamation and IP where agreed
- Loss of documents/data as worded
Why this cover matters
- Claims‑made precision with retroactive options
- Contract‑compliant endorsements
- Any‑one‑claim or aggregate structures
Typical situations where this cover helps
- Design error claim
- Incorrect advice causing client loss
Directors & Officers (D&O)
Protects directors and senior officers against personal liability arising from alleged wrongful acts in management, including defence costs and investigations.
Who this cover is designed for
- Boards and executives
- Founders and subsidiary directors
- Non‑profits and associations
What this cover typically includes
- Wrongful acts in management
- Regulatory/investigation costs
- Securities claims where applicable
Why this cover matters
- Side A/B/C structures possible
- Outside directorships options
- Emergency cost provisions
Typical situations where this cover helps
- Shareholder action
- Regulatory inquiry
Cyber
Addresses financial and operational losses from cyber incidents including data breaches, ransomware and network outages, plus third‑party liability for privacy and security failures.
Who this cover is designed for
- Banks and financial services
- Healthcare and education
- E‑commerce and SaaS providers
What this cover typically includes
- Incident response, forensics and legal
- Notification and credit monitoring
- BI/extra expense, cyber extortion
Why this cover matters
- Immediate access to expert response
- Covers first‑ and third‑party impact
- Regulatory support and guidance
Typical situations where this cover helps
- Ransomware attack
- Data leakage through third‑party vendor
Medical Malpractice
Protects healthcare providers against claims arising from professional errors in treatment or care, including defence costs and vicarious liability.
Who this cover is designed for
- Hospitals and clinics
- Diagnostic labs
- Individual practitioners
What this cover typically includes
- Negligence/error/omission
- Defence costs
- Good Samaritan acts and clinical trials where agreed
Why this cover matters
- Claims‑made or occurrence options
- Consent‑to‑settle provisions
- Extended reporting periods
Typical situations where this cover helps
- Surgical complication allegation
- Misdiagnosis claim
Banker’s Blanket Bond (BBB)
Protects financial institutions against specified crime losses including employee dishonesty, robbery, forgery and certain fraud incidents.
Who this cover is designed for
- Banks and finance companies
- Money service providers
- Investment firms
What this cover typically includes
- Employee dishonesty
- Cash/valuables on premises or in transit
- Forgery/alteration and counterfeit as worded
Why this cover matters
- Broad crime sections with options for computer crime
- Incident/aggregate limits available
- Audit and controls guidance
Typical situations where this cover helps
- Internal fraud event
- Counterfeit instrument loss
Fidelity Guarantee (Commercial Crime)
Protects businesses against direct financial loss caused by dishonest or fraudulent acts of employees.
Who this cover is designed for
- Corporate and retail chains
- Cash‑handling businesses
- Professional firms
What this cover typically includes
- Direct loss from employee fraud
- Money, stock or property
- Investigation/audit costs as worded
Why this cover matters
- Client cover and social engineering options
- Flexible limits by role
- Supports segregation of duties
Typical situations where this cover helps
- Embezzlement by staff
- Stock theft by employee
Trade Credit Insurance
Protects accounts receivable against non‑payment by buyers due to insolvency or prolonged default, stabilising cash flow and supporting safer growth.
Who this cover is designed for
- Exporters and distributors
- Manufacturers selling on open terms
- Wholesalers
What this cover typically includes
- Buyer insolvency
- Protracted default
- Political risk where selected
Why this cover matters
- Improves liquidity and financing options
- Buyer limit assessment and collections support
- Whole‑turnover or key‑buyer structures
Typical situations where this cover helps
- Failure of a key buyer
- Overseas customer default
Workmen’s Compensation
Provides statutory benefits for work‑related injury, illness or death according to applicable labour laws, with options to add Employer’s Liability.
Who this cover is designed for
- All employers
- Contractors and project owners
- Facility operators
What this cover typically includes
- Medical expenses and compensation
- Death/disablement benefits
- Repatriation where selected
Why this cover matters
- Ensures legal compliance
- Protects employees and employer
- Option to add common‑law liability
Typical situations where this cover helps
- Injury on site
- Workplace accident requiring medical care
Personal Accident
Provides fixed benefits for accidental death and disability, with options for medical expenses and weekly benefits for temporary disablement.
Who this cover is designed for
- Employee groups and field staff
- Executives and travellers
- Contractor teams
What this cover typically includes
- Accidental death
- Permanent total/partial disablement
- Medical expenses and weekly indemnity if selected
Why this cover matters
- 24/7 or occupational‑only variants
- Simple administration for groups
Typical situations where this cover helps
- Work travel accident
- Non‑work accidental injury
Event Cancellation
Covers financial loss if an insured event is cancelled, postponed or abandoned due to causes outside the organiser’s control, with options for non‑appearance and adverse weather.
Who this cover is designed for
- Conference and exhibition organisers
- Sports and entertainment promoters
- Corporate event teams
What this cover typically includes
- Cancellation/abandonment/postponement
- Extra expense to minimise loss
- Non‑appearance or weather where selected
Why this cover matters
- Protects committed budgets and revenues
- Tailored to event profile and venue risk
- Quick documentation for one‑off events
Typical situations where this cover helps
- Outdoor event cancelled due to weather
- Key speaker non‑appearance