special covers

special covers

Professional indemnity insurance is a form of liability insurance that helps protect professional advice- and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit.

Agricultural insurance protects against loss of or damage to crops or livestock.

Covers claims against you in respect of bodily injury of any patient or client, caused by reason of breach of professional duty, negligent act, negligent error or omission committed within the covered territory by you or your employee. Defence costs are included in the Limit of Liability.

An insurance policy that provides coverage for both damage to a property and third-party injury or damage claims. Contractors’ all risk (CAR) insurance policies are considered non-standard insurance policies. Risks often covered under a CAR policy include fire, flood, wind, earthquakes, water damage and mold, construction faults, and negligence.

A fidelity bond purchased from an insurance broker that protects a bank against losses from a variety of criminal acts carried out by employees. Some states require blanket bond coverage as a condition of operating a bank.

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Marine Insurance

Cover to protect the interest of the shipowners and those responsible for cargo against marine and allied perils in respect of their ships, goods, freight and liabilities.

Perils insured against are:

  • Perils of the sea e.g. heavy weather
  • Fire
  • Thieves (using force)
  • Jettison – the throwing overboard of cargo to lighten the ship during an emergency
  • Barratry – wrongful act by a master of the crew
  • All other perils of the like kind

Aviation Insurance

Cover for accidental damage to aircraft, liability to passengers, for baggage and cargo, third party bodily injury and or property damage or personal accident for flight crew.

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