General Accidents

Personal Accident
It provides cover for an individual or his legal representative in case the insured suffers bodily injury or death due to an accident resulting from violent, external and visible means.

Coupon Insurance
This insurance is designed for short period covers for tourists and travelers. It compensates an individual or his legal beneficiaries in case he/she suffers bodily injury or death due to an accident resulting from violent, external and visible means during his trip.

Workmen’s Compensation
It covers the legal liability of the employer against death or injuries to his employees which they sustain in the course of their employment.

Third Party Liability
It covers the legal liability of insured towards third parties in respect of bodily injury and/or property damage arising out of his activities within the specified premises.

Fidelity Guarantee
Provides indemnity against loss of insrued’s money or goods caused by the infidelity of employees.

Money Insurance
It provides indemnity against loss of money i.e., cash, notes, cheques, etc… during transit among the places from and to the place of work and whilst in the specified safe.

Plate Glass
It indemnifies the insured for any loss or damage of the specified glass as a result of breakage.

Contractors’ All Risks
It offers comprehensive and adequate protection against loss or damage in respect of contract works, construction plant, equipment and machinery as well as against third party claims in respect of property damage and/or bodily injury in connection with the execution of a construction project.

Erection All Risks
It offers comprehensive and adequate protection against all the risks involved in the erection of machinery, plant and steel structures of any kind, as well as third party claims in connection with the execution of an erection project.

Machinery Insurance
It provides protection to the insured of all types of machinery plant, mechanical equipment and associated apparatus as a result of such property suffering physical loss or damage due to a sudden and unforeseen electrical or mechanical breakdown.

Contractors’ Plant and Machinery
It covers the contractors executing construction/erection works for loss as a result of physical loss or damage to their construction machinery and equipment.

Electronic Equipment Insurance
It provides indemnity for the insured computers, ancillaries and other electronic equipment for losses following sudden and unforeseen material damage. It can be extended to include the cases of replacing data media and recreating data and the additional costs incurred to continue data processing after the physical damage has occurred.

Boiler Insurance
It provides an indemnity in respect of:
1- Damage to the boiler.
2- Insured’s legal liability for damage to property not belonging to the Insured.
3- Insured’s legal liability for death and injuries to any person not in the employment of the insured.

Professional Indemnity
It is designed for architects and engineers. It covers the insured for his legal liability arising out from any negligence, error or omission committed during the period in the conduct and execution of the activities, along with any costs and expenses incurred in the defence and/or settlement of such a claim.
The insured is:
- Architectural Companies engaged in planning, design and other projects.
- Civil engineers engaged in the execution of projects

Lift Insurance
It indemnifies the insured in respect of accident caused by, through, or in connection with any lift covered against all sums which the insured shall become legally liable to pay as compensation for:
- Death or bodily injury to any person not being a person who at the time of the accident is engaged in the service of the insured.
- Damage to property not being carried in or on the machine nor belonging to or in the custody or control of the insured.
- Damage to personal effects being carried in a passenger lift.

Medical Malpractice
It provides indemnity for damages awarded against the assured in respect of professional services rendered, or which should have been rendered by the assured to any person whilst receiving treatment in the hospital or which should have been rendered by any hospitals, doctors or any qualified assistants or nurses, resulting from any claim based upon error, negligence or mistake committed during the period of insurance.