Glass
Covers accidental breakage of internal or external lettering or ornaments.
Burglary
This indemnifies the insured against loss of or damage to the property insured contained in the premises, resulting from theft involving entry to or exit from the premises by actual forcible and violent means. The policy also provides cover for damage to the premises during theft or attempted theft. The policy can be extended to…
Contractors All Risks
This is a suitable type of cover for construction of commercial buildings, private dwelling houses, roads, dams and all other civil constructions The policy covers loss of or damage to the insured property from any cause which is not specifically excluded whilst on the Contract Site. It covers the following:- Permanent works Temporary works and…
Group Personal Accidents
Provides protection against the economic consequences, usually in the form of earnings following death, total disablement or temporary disablement (for salaried staff). And for directors who are not salaried they arrange cover with stated benefits for each occurrence. It also provides medical expenses cover. Unlike workers compensation insurance the cover provided under personal accident insurance…
Plant All Risks
Provides cover for plant and machinery on all risks basis except those excluded under the policy.
Office Combined
Protects office content, office machinery, and documents against fire, explosion, floods, storm, riot, strike, malicious damage, impact damage to property(other than the firms owned property, or for which they are responsible).
Fidelity Guaranteed
This provides indemnity against: Theft of money, materials and other properties by the insured’s permanent employees or contract staff. The normal theft cover or money cover excludes theft by your own employees.
Goods in Transit
This provides indemnity against: Loss of goods whilst in transit locally within the country by fire perils, theft, accidental or any unforeseen fortuitous circumstances unless specifically excluded as carried by the insured’s vehicles or hired vehicles (“All Risks” cover to goods whilst in transit) Goods can be of every description incidental to the business of…
Workers Compensation
The laws of Malawi under Workers Compensation Act 1990 or at Common Law imposes an obligation on every employer to compensate his/her employees in case of accidental death or bodily injury or illness sustained during the execution of their duties in connection with the business or trade of the insured. The policy is more suitable…
Professional Indemnity
Offers protection for professional persons/firms e.g. solicitors, accountants, doctors against loss or damage suffered by their clients as a result of professional negligence or bad advice.