Covers legal liability for personal injury or property damage caused by unintended gradual or long term pollution. This policy also covers legal costs and the costs of removing, rendering harmless or cleaning up any substance which has caused or would cause environmental damage.

Directors’ and Officers’

Covers directors or officers of companies for their legal liability forwrongful acts or omissions committed whilst acting in their capacity as a director or officer.

Company Reimbursement

Covers the company for payments it is legally entitled or obliged to make in indemnifying directors or officers for claims made against them whilst acting in their capacity as directors or officers. Does not cover claims made against the company.

Covers Fines and Penalties imposed on the business due to breaches in legislation.

Covers a range of claims that can be made against an employer including wrongful termination, refusal to employ, failure to promote, demotion, disciplinary action, sexual harassment, discrimination or defamation of an employee.

Covers loss sustained through fraudulent or dishonest acts committed by employees.

Covers legal liability to compensate third parties for loss sustained by them arising out of negligent acts, errors or omissions or civil liability on the part of the insured in the conduct of their business.

Covers employees, for death or disablement as a result of an accident including an in-hospital cash benefits. Premiums are deducted from the employee’s salary.

A surety bond is a contract of guarantee which has three parties:

The surety or guarantee, i.e. the insurance company.

The person who is to perform the subject matter of the bond, i.e. thecontractor.

The person in whose favour the bond is issued, i.e. the owner or obligee.

Under a bond, the surety is responsible up to a specified amount for the non- performance or malperformance of the contractor’s obligation.

Covers loss of or damage to the insured aircraft and liability to third parties, including passenger liability, arising from the operation of the aircraft.

Liability insurance which provides additional cover:

in the same circumstances as other liability policies such as Public & Products Liability, Motor Vehicle etc. but provides an additional sums insured above those insurances (known as “Excess Liability”).

of a wider scope than the underlying policies, e.g. covers Advertising Liability.

This extensive commercial policy typically protects the businesses against losses involving assets and business interruption arising from physical loss or damage to the property used in the business.

Covers baggage, overseas medical expenses, money, personal accident benefits, loss of deposits and other expenses incurred by employees and contractors whilst travelling for the insured ’s business of. This insurance is often purchased on an annual basis.

Covers physical loss or damage, including mechanical or electrical breakdown, to computing equipment.

Covers the cost of repair of sudden and unforeseen mechanical or electrical breakdown of plant and machinery. The policy can be extended to cover consequential loss from interruption to the business following the breakdown.

Covers professional fees charged by an accountant in connection with a Taxation Office audit or investigation, including costs in obtaining expert advice.

Covers loss or damage to your Building, Contents & Stock due to an insurable event, particularly fire and perils.

Manufacturers Output covers loss or damage to stock from the time of purchase as raw materials through manufacture and shipment to their final destination.

Sellers Contingency protects exporters when goods are destroyed or damaged as a result of the buyer not paying for the goods.

This policy can cover the craft itself, accessories and also Third Party Liability (including to and by water skiers).

Insurance to provide an agreed sum in the event that a nominated quantity of rain should fall during a specified time period, on a specified date and location. Cover is often required by promoters of sporting and outdoor events who would expect to incur financial loss should rain affect attendance at an event.

Covers legal liability to repair or replace defective products made, sold or distributed by the Insured.

Compulsory insurance covering statutory liabilities to employees injured by accident or industrial disease arising out of or in the course of their employment.

Covers loss destruction or damage to crops from an insured peril.

Covers a nominated group of individuals for specified benefits against a range of accidental disabilities. Benefits are often payable to the organisation purchasing the cover rather than to the disabled person.

Covers domestic dwellings and contents against fire and other perils including theft and personal liability.

Covers a specified amount following the death or disablement of selected key personnel. This cover should be purchased where the loss of key personnel may result in loss of market confidence, significant cost of employee replacement, short-term cash flow difficulties, debt foreclosure, etc.

Covers employees, for death or disablement as a result of an accident including an in-hospital cash benefits. Premiums are deducted from the employee’s salary.

Covers loss, destruction of or damage to contract works and all materials related to a construction or maintenance contract whilst in transit or on or adjacent to “the insured site”.

(Cover usually applies both during the construction and maintenance periods and is tailored to reflect particular risks arising out of construction contracts).

Can also cover legal liabilities for injury to any person(s) and/or damage to any property of third parties arising out of the construction/maintenance works.

Covers legal liability for costs, expenses and damages for withdrawal or recall of goods or products because of any known or suspected defect or deficiency.

Protects residential property owners in the event of damage to their property by tenants.