what we do

AVIATION

… is a specialized form of insurance class that provides coverage for risks associated with aircraft operations. It can be categorized into different classes based on the type of aircraft and its use. The classes include general aviation insurance for privately owned aircraft, commercial aviation insurance for commercial aircraft and airlines, aviation product liability insurance for manufacturers and suppliers of aviation-related products, and airport operator’s insurance for coverage related to airport operations. Each class has specific terms, conditions, and coverage limits tailored to its respective risks. Aviation insurance is crucial for managing financial risks in the aviation industry.


BOND

… is a type of surety bond commonly used in construction projects. It provides financial protection to the project owner (oblige) in case the contractor(principal) fails to fulfil their obligations according to the contract. The bond is obtained from a bonding company or insurance company, guaranteeing compensation to the oblige for losses incurred due to non-performance or inadequate performance by the contractor. The contractor applies for the bond, which is a percentage of the contract value, and if approved, the bonding company issues the bond. If the contractor defaults, the oblige can make a claim on the bond for compensation. The purpose of a performance bond is to ensure accountability, encourage contractor compliance, and provide financial security to project owners.


CASUALTY

… is a type of insurance class that provides coverage for losses and liabilities resulting from accidents, injuries, or unforeseen events. It encompasses various types of coverage, including liability insurance, automobile insurance, workers ‘compensation insurance, and more. Liability insurance protects against legal claims for bodily injury or property damage, while automobile insurance covers risks associated with owning or operating vehicles. Workers' compensation insurance provides coverage for work-related injuries or illnesses. Umbrella insurance offers additional liability coverage beyond primary policies. Casualty insurance is essential for individuals and businesses to protect against financial consequences and mitigate liability risks.


ENGINEERING

… also known as construction insurance or contractor's all-risk insurance, provides coverage for risks and losses that occur during engineering and construction projects. It includes protection against property damage, machinery breakdown, delay in project completion, third-party liability, and other related risks. The most common type is the Construction All-Risk (CAR)policy, which covers the construction site, materials, equipment, and machinery. It also includes coverage for project delays and liability for bodily injury or property damage to third parties. Engineering insurance is customized for each project and helps manage risks, protect stakeholders, and ensure smooth project execution.


FINANCIAL LINES

… provides coverage for financial risks faced by businesses and professionals in the financial industry. It includes professional liability (errors and omissions) insurance, which protects against claims arising from professional negligence. Directors and officers’ liability insurance protects company executives from personal liability for wrongful acts, while cyber liability insurance covers losses from cyber incidents. Employment practices liability insurance addresses claims related to wrongful employment practices, and crime and fidelity insurance protect against fraudulent acts and employee dishonesty. Financial lines insurance helps mitigate financial and professional liabilities, safeguard against legal claims, and provide financial security tailored to the needs of businesses and professionals in the financial industry.


ENVIRONMENTAL

… also known as environmental liability insurance, provides coverage for financial losses and liabilities related to environmental risks and pollution incidents. It includes protection against pollution liability, cleanup costs, legal expenses, and third-party claims arising from environmental damage. The insurance helps mitigate the financial impact of environmental incidents, supports environmental cleanup and remediation efforts, and ensures compliance with environmental regulations. Environmental insurance can be customized for specific industries and operations, providing tailored coverage for businesses and individuals facing environmental risks.


MARINE

… provides coverage for risks associated with maritime transportation and activities. It includes hull insurance for physical damage or loss to vessels, cargo insurance for goods being transported by sea, and freight insurance for the liability of freight forwarders. Protection and Indemnity (P&I) insurance covers liabilities arising from vessel operation, while marine liability insurance covers liabilities related to marine services. Marine insurance is crucial for mitigating risks, protecting against financial losses, and ensuring the smooth operation of the maritime industry

PROPERTY

… provides coverage for various types of properties, including homes, buildings, and their contents. It protects against financial losses resulting from covered perils such as fi res, theft, natural disasters, and other specified risks. Homeowners insurance is for private residences, while commercial property insurance covers business properties. Renters insurance offers coverage for tenants. Property insurance includes coverage for property damage, personal belongings, liability, and sometimes additional living expenses. Policies can provide named perils or all-risk coverage. Deductibles and coverage limits apply, and additional coverages like liability, high-value items, and natural disaster coverage may be available. Property insurance helps property owners and tenants protect their investments and provides peace of mind against potential losses or damages.


AGRICULTURE

…. also known as crop or farm insurance, provides coverage for agricultural producers and farmers against risks and losses related to their farming activities. It includes crop insurance for protection against crop failures and yield reductions, livestock insurance for coverage against livestock losses, and farm property insurance for safeguarding farm assets. Liability insurance protects farmers against legal liabilities arising from farming operations. Some policies may also offer revenue protection to ensure income stability. Agriculture insurance helps farmers manage financial risks, encourages sustainable practices, and supports the resilience of the agricultural sector.


EMPLOYEE'S BENEFITS

…. also known as Employee Benefits or Group Benefits insurance, is provided by employers to offer additional financial protection and support to employees beyond their regular salary. It includes benefits such as health insurance, life insurance, disability insurance, retirement plans, and other perks. Health insurance covers medical expenses, while life insurance provides a lump sum payment to beneficiaries upon the employee's death. Disability insurance offers income replacement during disability, and retirement plans help employees save for retirement. Other benefits can include dental and vision insurance, flexible spending accounts, paid time off, wellness programs, and employee assistance programs. Employee's Benefit insurance helps attract and retain employees, promotes well-being and financial security, and varies based on employer offerings and employee needs.


MOTOR VEHICLE

… also known as auto insurance or car/ motorcycle insurance provides financial protection for vehicles against potential risks and damages. It typically includes liability coverage for injuries or damage caused to others, collision coverage for damages to the insured vehicle in a collision, comprehensive coverage for non-collision-related incidents, personal injury protection or medical payments coverage for medical expenses, and uninsured/under-insured motorist coverage. Motor vehicle insurance is a legal requirement in many countries and helps drivers meet their financial obligations and responsibilities on the road.


PECUNIARY

… also known as financial insurance or fidelity insurance, offers protection against financial losses resulting from acts of dishonesty, fraud, or embezzlement committed by employees or third parties. It includes coverage for employee dishonesty, forgery or alteration, computer fraud, theft and burglary, and third-party fraud. PECUNIARY insurance helps businesses and individuals mitigate financial risks associated with fraudulent activities and provides compensation for losses incurred. The specific coverage and terms vary depending on the policy and the insured party's needs.


ESTATE PLANNING

… involves arranging and organizing one's assets, finances, and personal affairs to ensure the smooth transfer of wealth and property to intended beneficiaries upon their death. It includes creating a will, establishing trusts, designating powers of attorney and healthcare directives, considering estate taxes, reviewing beneficiary designations, and planning for business succession. Estate planning helps individuals protect their assets, minimize taxes, and ensure their wishes are carried out. Professional guidance may be sought to create a comprehensive plan that reflects personal goals and priorities. Regular review and updates are important to account for changes in circumstances and laws.