Mutual General Insuranc Policies
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This document provides an overview of various insurance policies including: fire & special peril insurance which covers damage to buildings and contents from hazards like fire; burglary insurance which covers theft; group personal accident insurance which provides benefits for work-related accidents; motor insurance; public liability insurance; house owner/householders comprehensive insurance; and fidelity guaranty insurance which covers losses from employee theft. Discounts are available for long-term agreements, installation of safety equipment, number of policies/vehicles/lives insured, and claims experience. Contact information is provided at the end.
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Mutual General Insuranc Policies
- 1. FIRE & SPECIAL PERIL BURGLARY GROUP PERSONAL ACCIDENT MOTOR INSURANCE PUBLIC LIABILITY HOUSE OWNER/HOUSEHOLDERS COMPREHENSIVE FIDELITY GUARANTY
- 2. This plan ensures protection of fixed assets such as buildings and contents against physical loss or damage by fire and allied perils like explosion, lightning, impact, earthquake, flood, storm, and tempest, riot, strike and civil commotion. Items like office contents, furniture and accessories are also covered. A long Term Agreement discount is available plus discount on installation and adequate maintenance of fire equipment
- 3. This covers residential and office premises against losses or damages by theft arising out of forcible and violent entry into or exit from the insured premises or damage from attempted theft. A long term agreement discount is available. A First Loss Discount of up to 20% is also available.
- 4. This provides benefits for bodily injury resulting from accident caused by violent and visible outward means resulting into death and partial or permanent disablement of employees in an organisation. This cover is on 24hour basis and world wide. Benefits include compensation for death, temporary and permanent disability and also covers medical expenses. Discounts is also available based on the number of lives insured.
- 5. This covers indemnity for loss or damage to vehicles arising from accidental collision, overturning, fire, theft and third party liability for death or bodily injury. The premiums are rated based on the values and usage. Discounts apply based on number of vehicles, claim experience and relationship with the client
- 6. This insurance protects against liability to pay claims for costs of accidental injury to persons(members of the public) and damage to third party property in connection with the insureds business.
- 7. This is a household comprehensive Insurance cover that protects private dwelling houses and/or the contents/personal effects of individuals or employees of an organisation. This provides for losses from Fire and Allied Peril, Burglary, Theft/ Third Party Liability, and Loss of Rent/Cost of alternative accommodation in event of fire. It is conventional to cover the staff quarters and other houses occupied by employees of a organisation. A long term discount is allowed.
- 8. The objective of this policy is to compensate for losses arising from the disloyalty of staff handling cash(money), and/or stock in an organisation e.g. embezzlement, misappropriation, etc. This could be arranged either on blanket basis, position basis or named basis. This attracts a premium based on the limit per defalcation.