General Insurance

General Insurance provides financial protection against unexpected losses or damage to assets, businesses and individuals. It is broadly classified into Motor Insurance and Non-Motor Insurance.

Services

Overview

General Insurance provides financial protection against unexpected losses or damage to assets, businesses and individuals. It is broadly classified into Motor Insurance and Non-Motor Insurance.

Non-Motor covers property, travel, marine, liability and a range of specialist classes. As a broker we place each class with the insurer offering the best terms, and stay with the policy through renewal and claim.

Property — homes, offices, factories and commercial buildings.
Travel — medical emergencies, cancellation, baggage and delays.
Marine — cargo, hull and freight-forwarding risk in transit.

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Motor Insurance

Motor insurance covers vehicles against accidental damage, theft, fire and third-party liabilities.

Comprehensive cover protects your own vehicle as well as third parties, and can be extended with roadside assistance, zero depreciation and personal accident cover. Third-party cover meets the legal minimum required of every vehicle owner. Commercial vehicle cover protects trucks, buses, taxis and delivery vans working in your business.

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Fire Insurance

Fire insurance protects buildings, plant and stock against loss or damage caused by fire, lightning and explosion.

Cover can be extended to perils such as storm, flood, riot and impact damage, and to the loss of income that follows an interruption to trading.

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Burglary/Theft Insurance

Burglary and theft cover responds when property is taken from your premises by forcible entry, and to damage caused in the attempt.

It suits retailers, warehouses, offices and any business holding stock or equipment on site.

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Domestic Package

A domestic package brings your household risks under a single policy — the building itself, its contents, domestic staff and your personal liability as an occupier.

Optional sections extend it to all-risks items, personal accident and loss of rent.

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All Risk

All-risk cover follows portable, high-value items wherever they go, on or off your premises.

It is written for laptops, cameras, jewellery, surveying and medical equipment, and anything else that leaves a fixed location.

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Fidelity

Fidelity guarantee cover protects an employer against direct financial loss caused by the dishonesty of its own employees — theft, fraud or embezzlement.

Cover can be written on named individuals, on positions, or across the whole payroll.

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Money

Money insurance covers cash, cheques and negotiable instruments against loss in transit, on the premises during business hours, and in a locked safe overnight.

It usually includes damage to the safe or strongroom caused during an attempted theft.

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Bond

Bonds guarantee that an obligation will be met.

We arrange performance bonds, advance payment and bid bonds, and customs bonds, so contractors and importers can meet tender and regulatory requirements without tying up working capital.

Motor Insurance

Fire Insurance

Burglary/Theft

Domestic Package

All Risk

Fidelity

Bond

Money

Claim Submission

Documentation & Verification

Assessment & Evaluation

Claim Decision

Settlement & Payment

Life Insurance Underwriting

Medical Insurance Underwriting

General Insurance Underwriting

Corporate & Commercial

Risk Analysis

General Insurance

Overview