BUSINESS INSURANCE COVERS

There are various types of professional indemnity insurance policies unique to
industry occupations for instance a policy for Doctors differs with that for
Lawyers, Architects or Insurance Brokers.
Where a professional service provider causes a loss, they are liable to
compensate the clients and third parties affected. This policy protects against
financial losses arising from the provision of professional services including
defence costs and expenses.

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July 28, 2022

This policy falls into the category of construction covers and it mainly
focuses on covering the risk of loss arising out of the erection and
installation of machinery, plant and steel structures including electrical
works.
Covered parties include the main contractor, subcontractors, and in some
cases suppliers and manufacturers of equipment. Examples of the types
of projects for which EAR coverage is typically purchased include power
plants, manufacturing and fabrication facilities, water treatment plants,
and telecom centers (especially where there is erection of signal towers).

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July 28, 2022

Insurance for the art and antiques sector. Whether one is a collector (private
or corporate), exhibitors, galleries, auction houses, dealers or jewellers, the
insurance solutions enable you to rest knowing that your collection is
covered.

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July 22, 2022

The healthcare sector faces unique risks, increasing compliance
requirements and a number of changes post the Covid-19 pandemic. The
Specialised and innovative solutions we aid the sector to have adequate
cover.

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July 22, 2022

This policy provides extra liability insurance protection beyond existing limits
and coverages of other standalone liability policies. Umbrella insurance
usually provides a more cost effective way to purchase a higher limit for the
various exposures that your business may face.
As an example:
If you cause a car accident and the cost of damages to the other car is
$50,000. If your Motor policy Third Party Property damage limit is $20,000,
the policy will pay this limit and leave you with a shortfall of $30,000. If you
have an umbrella insurance policy with a limit of $150,000 then the shortfall
will be paid under your umbrella liability policy.

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July 22, 2022

This policy provides extra liability insurance protection beyond existing limits
and coverages of other standalone liability policies. Umbrella insurance
usually provides a more cost effective way to purchase a higher limit for the
various exposures that your business may face.
As an example:
If you cause a car accident and the cost of damages to the other car is
$50,000. If your Motor policy Third Party Property damage limit is $20,000,
the policy will pay this limit and leave you with a shortfall of $30,000. If you
have an umbrella insurance policy with a limit of $150,000 then the shortfall
will be paid under your umbrella liability policy.

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July 21, 2022

Whether one is a collector (private or corporate), exhibitors, galleries, auction houses, dealers or jewellers, the insurance solutions enable you to rest knowing that your collection is covered.

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July 21, 2022

This policy covers damage to goods stored in specified cold storage spaces,
which occurs as a result of a change in temperature caused by a breakdown of
the refrigeration equipment or accidental damage to it.

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July 21, 2022

Most businesses require this policy as they interact with the public (customers, visitors and other third parties).

The policy provides financial protection for costs your business is legally liable for due to claims by third parties for injuries, illness, death and property damage attributed to your business. This includes incidents at your business premises and locations related to your work, such as a client’s home. Some regulatory authorities and industry associations might require you to have a certain level of public liability insurance in place.

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July 15, 2022

Farm Combined Insurance provides cover for various aspects of the farm which
are:
a. Farmhouses and other property like barns with an option to insure the
contents.
b. Farming plant and equipment like tractors, centre pivots or refrigeration
plant.
c. Greenhouses
d. Vehicles
e. Loss of Profits cover
f. Public Liability cover for operations associated with your farm.
g. Workers Personal Accident cover

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July 15, 2022