Work Injury Benefit Act (WIBA)

Covers job/ work related accidental death & injuries and contracted occupational illnesses in the course of employment. All this is in line with provisions of the WIBA Act 2007. Covers medical expenses, temporary or permanent disability, funeral expenses and death.

Personal Accident

An annual policy which provides compensation in the event of injuries, accidental medical expenses, temporary or permanent disability or death caused by violent accidental, external and visible events.

All Risks Insurance

Open peril insurance. It’s a policy that covers any risk that the contract does not exclude.

Home Insurance

Also known as Domestic Package. It covers your residential house and its contents if stolen or damaged

Travel Insurance

A policy providing 24hrs emergency medical expenses, personal accident cover, compensation for travel delays and loss of travelers property and other travel related contingencies during the trip. It covers trip cancellations, loss or delayed baggage, medical assistance, evacuations and trip delays

Fire

Property insurance covering damages and losses caused by fire.

Political Violence

Policy covering loss and damage of property and business interruption as a result of political riots, strikes, civil commotion, war, civil war, coup de tat, malicious damage, looting, etc.

Cyber Security Insurance

A policy designed to cover various cyber risk exposures not covered under conventional casualty insurances.

It covers;

• Data liability- Covers the financial consequences of losing or mis-appropriating customer or employee data
• Crisis management and breach coaching
• Administrative obligations- Covers the potentially significant costs and expenses of a data protection regulator’s investigation and fines following data security breaches
• Electronic data- Covering the costs of restoring, recollecting or recreating data after a leak or breach