AVIATION INSURANCE

Aviation Insurance provides cover against claims and losses arising from the ownership, maintenance, or use of aircraft, hangars, or airports including damage to aircraft, personal injury, and property damage.

CONTRACTORS ALL RISK INSURANCE

This policy protects any building or civil engineering project against unforeseen accident resulting in physical damage to or destruction of works-in- progress and works after completion, during the maintenance period and third party liability arising out of the execution of the building or structure.

PROFESSIONAL INDEMNITY INSURANCE

The policy is to protect a professional such as: doctors, pharmacists, nurses, lawyers, engineers, architects, brokers and other professions against legal liability to pay damages to persons who have sustained loss arising from professional negligence or that of their employees in the conduct their business.

Fidelity Guarantee Insurance

Fidelity Guarantee Insurance indemnifies an employer for the loss of money or property sustained as a direct result of acts of fraud, theft or dishonesty by an employee in the course of employment.

INSURANCE BONDS

A Bond is a guarantee issued by Insurance companies to a Contractor for which the sum insured (an agreed sum of money) will be paid in the event of the contractor’s default.

Insurance companies issue four types of bonds: Bid/Tender Bond, Performance Bond, Advance Payment Bond, Retention bond.

PUBLIC LIABILITY INSURANCE

This policy takes care of legal liabilities of the insured due to the activities of his business (excluding liabilities from products) for bodily injury or death of third parties or loss or damage to their properties. It also covers the cost of litigation.

MARINE INSURANCE

(a) Cover for Goods: Marine insurance policy provides cover for goods transported by sea from the port/warehouse of embarkation to the port/warehouse of disembarkation. It pays for the goods lost/damaged by accident while in transit.

(b) Cover for Hull: Marine policy also covers ships, boats, or large vessels owned by insured.

Life Assurance

Death is inevitable hence, it is important that adequate arrangement be made in case of untimely death prior to retirement age and during retirement period. The plight of the family of Assured left behind in case of death is equally important, so adequate life cover needs to be in place.

Life Assurance Plan can be in form of;

1. Personal Pension Plan
2. Whole Life
3. Endowment Assurance
4. Group Life
5. Term Assurance
6. Mortgage Protection Insurance
7. Assured for life education policy

Product Liability Insurance

Product Liability Insurance protects a business from claims related to the manufacture or sale of products, food, medicines or other goods to the public.

Directors/Officers Liability Insurance

Directors & Officers Liability Insurance is payable to the directors and officers of a company, or to the organization(s) itself, as reimbursement for losses or advancement of defense costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

ELECTRONIC EQUIPMENT INSURANCE

This Policy offers you financial protection in case your electronic equipment suffers accidental mechanical and electrical breakdown requiring repairs and/or replacement.

The policy covers all types of computers, telecommunication instruments, machine for medical use etc.

Money Insurance

This policy is designed to cover organizations and individuals that handle and transact cash in large volumes against loss of own money or money for which the insured is responsible.

Money insurance policy provides cover for loss of money in transit between the insured’s premises, bank and other specified places occasioned by robbery, theft or any other fortuitous cause. It also provides cover for loss of money in the business premises, safe or vault, etc.

This policy provides cover for:

Cash in Transit
Cash in Safe/Vault
Cash in premises

CONTRACTORS ALL RISKS INSURANCE

This policy protects any building or civil engineering project against unforeseen accident resulting in physical damage to or destruction of works-in- progress and works after completion, during the maintenance period and third party liability arising out of the execution of the building or structure.

Children Education Plan

Owning a child education policy with a reputable insurance firm is your best bet to give your children the much desired life devoid of stress. Payment of school fees becomes relatively easier and stress less. Even at death, the policy would give the children the required cover all through their life.

Take an education insurance plan today.

Insurance a form of risk management

As we live in a world of risks, it is only reasonable to prepare in advance should the unexpected happen. This is actually the essence of insurance.

Take one today!

Public Liability Insurance

Public liability insurance is designed to protect you from basic accidents. If a customer trips and falls on the sidewalk outside of your retail store she may sue you for damages. General liability insurance coverage protects you from losses due to suits of this sort. It also helps protect your business from potential hazards or problems you may not have previously considered.

Insurance

Insurance is the transfer of risk from the client (individuals or companies) to the insurance company. It is the pooling of funds out of which compensation is made to the unfortunate ones.

Health Care Professional Indemnity Insurance

The Health care Professional Indemnity Insurance is highlighted in Section 45 of the National Health Insurance Scheme Act 1999.

This law is mandatory for all medical professionals working in NHIS. It provides compensation for the NHIS patient who suffers death, sickness, permanent disability, partial disability and injury by shock from the mistakes, errors, negligence and acts of commission or commission of medical practitioners and institutions.

The claims benefit under this cover could be up to N2m for death and permanent disability, while it could be up to N5m, when such case involves foreign medical expenses.

Insurance is there to provide relief in the event of eventuality. Take one today.

You can't predict when things will go wrong in life, but having the right cover in place means there is always a plan to recover.

Take an insurance policy today!

Insurance Education

Many do not have any insurance. That is not a crowd you want to be part of.

Be guided!

Take an insurance policy for your home today! Insurance reduces the financial strain anytime an unfortunate event occurs.

Whatever is worth having is worth insuring.

Be guided!

Take a personal accident insurance today!

Take an Insurance policy to avoid stories that touch.

Best regards

Buy an Insurance Policy today!

Protect what you value with an Insurance Policy.

History of Insurance

Take a fire policy today. With insurance, the future is assured.

Choose wisely!

Take a Fidelity Guarantee policy today to protect you against the fraudulent and dishonest act of your staff. Insurance pays!!!