Specialized Lines of Insurance

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    Engineering Insurance

    Contract Works Insurance (Contractors All Risks)

    Construction projects entail investing huge amounts of capital, expertise and time. The project principals, contractors and sub-contractors are all exposed to any unforeseen interruption, damage or destruction of the works during the construction period or after completion. There is also a huge risk during the testing and commissioning phase for all projects.

    Contractors All Risks (CAR) insurance is a product specifically designed to protect all parties involved in a construction project to ensure that the project is quickly resuscitated and completed as planned. The insurance provides cover for loss or damage to the contract works whilst in progress, goods and construction materials whilst in transit or storage as well as liability to third parties who are affected by your project, for example, damage to a third party’s pipes whilst you are digging trenches.

    Erection All Risks Insurance

    Erection All Risks insurance is required where a contractor is installing or fitting finished parts or components for example prefabricated structures or pre-cast structures. These completed parts need to be transported from the place where they have been manufactured to the place where they need to be fitted. There are risks associated with dismantling, loading, transit and unloading from the departure point to the destination. Erection All Risks provides comprehensive cover for these risks.

    The second part of the risk is associated with the actual mounting of the completed structures. Insurance provides protection against losses suffered due to unforeseen collapse, impact damage, and fire as well as risks associated with harsh weather elements. Liability to third parties is also covered during the entire process.

    Plant All Risks Insurance
    This insurance protects business against the risk of loss or damage to mobile and fixed plant which is used by your business. The policy offers comprehensive cover including damage to the plant itself as well as third-party liability. Our clients include the following:
    • Construction companies
    • Plant owners
    • Plant hirers /lessors
    • Companies using leased plants and equipment

    Political Risks, Sabotage and Terrorism Insurance (PVT & PTS)

    PVT – Political Violence and Terrorism insurance covers the client from losses caused by politically motivated violence and related damages as well as losses caused by terrorism activities.

    PTS – Political Violence, Terrorism and Sabotage insurance provides PVT cover, including losses caused by sabotage.

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    Professional Indemnity

    This policy protects professionals from legal claims arising from the delivery of their day-to-day professional service. These legal claims can arise out of alleged negligent acts, negligent errors, negligent omissions or negligent breach of contract. Some of the professionals that we assist include the following:
    • Engineers
    • Architects
    • Land Surveyors
    • Accountants
    • Tax consultants
    • Legal consultants
    • Attorneys
    • Auditors
    • Project Managers
    • Town Planners
    • Loss Adjusters
    • Quantity Surveyors
    • Intermediaries
    • Insurance brokers
    • Liquidators
    • Lawyers
    • IT professionals
    • Advocates
    • Engineers
    • Property Valuers

    Cyber Risks Insurance

    Any business operating in the digital world is exposed to risks of loss or damage to attacks by way of viruses, phishing, hacking or any other form of exposure to malicious attacks by criminals. Cyber risk insurance provides your business with financial security against loss or damage to computer hardware, software, systems and data. The insurance products also assist with risk management solutions to reduce the risks of attacks and interruption of your business.

    Directors and Officers Liability

    The company’s directors and employees make difficult decisions on a daily basis in the course of executing their duties. During the decision-making process, the directors and officers may make errors of commission or omission which cause loss or damage to third parties.

    Insurance cover can be put in place to avoid such exposure and to encourage decision-makers to execute their duties without fear.

    Cyber Risks Insurance

    Any business operating in the digital world is exposed to risks of loss or damage to attacks by way of viruses, phishing, hacking or any other form of exposure to malicious attacks by criminals.

    Cyber risk insurance provides your business with financial security against loss or damage to computer hardware, software, systems and data. The insurance products also assist with risk management solutions to reduce the risks of attacks and interruption of your business.