Group life insurance scheme provides a guaranty for financial security and solutions to social menace. It relieves an organization of spontaneous financial commitments in the event of any employee's demise, gives the employee peace of mind knowing that adequate arrangement has been made to provide financial security for the family in the unfortunate event of his/her demise and supports displaced family members arising from the demise of a breadwinner in the family.
The cost of replacing physical property can easily be determined through adequate valuations however the financial cost of a potential third-party claims is something that can be incredibly difficult to foresee. Society is becoming more aware of its right in terms of claiming for injury or damage and, as such, the demands made for compensation are now higher than they have been in previous years.
A Public Liability Insurance policy provides cover for an organization against any liability to the Third Party as a result of death or injury sustained by him or loss or damage to their property. Liabilities usually arise from employee negligence or during daily operations in any environment where the company's activities take place. Such losses could be caused by defects in the building or the machineries or things unknown.
This policy can be used to cover organizations who accommodate third party within their facilities/premises and are prone to injury or suffer any unforeseen circumstances.
Thus, it's very important that organizations consider taking out public liability insurance, to ensure - with our expertise - that the cover is sufficient to cater for any possible scenario.
Get a QuoteVehicle Insurance is mandatory. Fleet insurance offers convenience and will provide coverage for the organizations vehicles in one policy and at lower cost. This policy allows any employee of the organization to drive any vehicle covered under fleet and are covered if any accident or liability arise.
Fire and special perils policy is an insurance contract that safeguards the insured against unforeseen contingency caused by accidental fire, lightning, explosion/implosion, destruction or damage caused by aerial devices, man made perils in the form of riots, strikes etc, natural calamities like storm, cyclone, flood etc, damage caused by impact by a rail or a road vehicle, damage caused by landslide or subsidence, peril caused by pollution and contamination, bursting and/or overflowing of water tanks, apparatus and pipes, missile testing operations, leakage from automatic sprinkler installations and bush fire.
Also, Items of stock, viz: purchases, materials components, completed products may also be insured.
Get a QuoteAn alternative to the HMO our health insurance contract runs the preferred provider organization (PPO) model, also known as a participating provider option, which offers features of traditional fee-for-service insurance plans, such as the ability of patients to choose their own health care providers, but also follows the lower-cost strategies of HMOs.
For example, those enrolled in a PPO can see any medical provider at any time, without a referral from a primary care physician; however, if the insured uses one of the insurance company's "preferred providers," the company generally pays a higher percentage of the cost.
In both HMOs and PPOs, the insured is usually responsible for a certain portion of the cost of the medical services, with a co-payment fee (paid by the insured at the time of an office visit) being one of the most common charges.
Get a QuoteGroup Personal Accident can be arranged for the middle and top management staff as well, a protective cover for injuries and accidents.
The benefits accrued will compensate the organization for losses incurred due to death or absence from work of key personnel, or to compensate a temporarily disabled employee or Director with a continuing income during a period of absence from work, forming part of the employees' benefit provided by the firm.
Cover is on 24 hours basis and is worldwide excluding communist-controlled countries. In most cases, the selected employees are insured in relation to earnings or along organizational hierarchy and career paths.
Get a QuoteConstruction insurance is a broad categorization and refers to a suit of insurance policies that provide protection during construction projects.
Construction projects are often extremely expensive endeavors with various exposures, this undertaking would be incredibly risky without adequate insurance cover and the peace of mind it provides to go forward with the project.
With a proper insurance package, the construction company, or the other insured parties enjoy coverage for several perils and will be significantly less at risk to lose large sums of money.
Get a QuoteOur experts will guide you through the process and help you select the most suitable coverage.
Contact Us Today