There are 2 main types of insurance
General Insurance
Property Insurance
Home Owners Insurance
Homeowners insurance is a form of property insurance that covers losses and damages to an individual's residence. One should check the respective policy extends to cover furnishings and other assets in the home.
Commerical Property Insurance
Commercial property insurance protects the property your business owns and leases. This includes buildings, equipment, inventory and furniture. It also helps cover lost income if you can’t run your business because of covered property damage.
Business Interruption Insurance
Use business interruption insurance to recover income when a business is unable to function and generate earnings due to a covered loss.
Machinery Breakdown
Machinery breakdown insurance provides a coverage to the machines used by factories and industries which indemnifies against accidental breakdown and physical damage of the machinery, the cost of repairs or replacement of the damaged machine parts.
Contractor's All Risk
Contractors' all risks (CAR) insurance is a non-standard insurance policy that provides coverage for property damage and third-party injury or damage claims, the two primary types of risks on construction projects.
Surety & Fidelity Bonds
Performance and Mobilization bonds may be required for construction industry and it is best to discuss all the points with your broker as they will vary from depending on the need. All insurers will require collateral before they issue a bond.
Auto Insurance
Help protect yourself, your passengers, third parties and the vehicles used to operate your business. If an accident occurs, this policy protects the insured from huge shock losses after an accident. Keeping more money in your pocket
Specialist Risks
Aviation Insurance
Aviation Insurance coverage is geared specifically to the operation of aircraft, airports, pilots and the risks involved in aviation business. The policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, Liability limits and clauses specific to aviation business.
Marine Insurance
Marine insurance covers cargo and the vehicles carrying products over land, sea and air. There are variety of policies to cover all the risks associated with operating on the sea
Cyber or Data Breach Insurance
Data breach insurance helps cover liability expenses that respond to a cyber event. There are two types of CYBER coverages: 1st, liability 2nd crime. Â Some policies will also have team to help you .
Loss of Money
Fidelty Guarantee
Commerical Crime
Goods in Transit
Liability Insurance
Helps protect your business assets in the event of a lawsuit for things like negligence, bodily injury, libel and slander.
Professional Liability Insurance
Professional liability insurance helps protect you and your company if you are found negligent in the professional services you provided to a client.
Public Liability Insurance
Public Liability insurance protects from a loss as a result of third-party injury or damage due to the insured’s negligence. This cover also pays the legal cost of a lawsuit to defend your position.
Employers Liability Insurance
Employers liability insurance protects employers from financial loss if a worker has a job-related injury or illness as a result of negligence of the employer
Health/Life Insurance
Health Insurance
Health insurance Health insurance pays for medical expenses incurred by the insured. Health insurance can either be on a reimbursement basis, or the insurer pays the care provider directly.
Life Insurance
Life insurance is a contract between an insurer and a policyholder where the insurer guarantees payment of a death benefit to named beneficiaries when the insured passes away.
Travel Insurance
This policy covers cost and losses associated with Traveling. These policies can also include Medical benefits which would pay for medical emergencies when traveling
Personal Accident
Personal accident insurance is an agreement between the insurance company and the person insured where the former will provide financial compensation to the latter or his/her family in case of permanent disability/death caused directly and only due to any accident
Critical Illness
Is an insurance product in which the insurer will make a lump sum cash payment if the policyholder is diagnosed with one of the specific list of illnesses