Our Insurance Products & Services
Motor Insurance
Required under the Motor Vehicles Third Party Insurance Act of 1958, our motor insurance options include:
- Third Party Only – Covers third-party injury, death, or property damage.
- Third Party Fire & Theft – Adds coverage for fire or theft-related losses.
- Comprehensive – Provides full protection, including accidental damage.
TPPD Limit: The standard Third-Party Property Damage (TPPD) limit has been updated to GH¢6,000. Clients can opt to increase this limit for an additional premium, typically around 2% of the extra coverage amount.
Fire & Allied Perils:
Covers property damage caused by:
- Fire, Lightning, Explosions, Thunderbolts
- Storms, Hurricanes, Tornadoes, Floods
- Non-Political Riots, Civil Unrest
- Impact from vehicles or falling objects
Bond Insurance
Ensures contract compliance with options like:
- Bid Bond – Ensures contractors proceed after winning a bid.
- Performance Bond – Guarantees contract fulfillment.
- Advance Payment Bond – Secures client funds given upfront.
- Payment Bond – Ensures contractors pay subcontractors and suppliers.
- Maintenance Bond – Covers repairs post-project completion.
- Customs Bond – Ensures importers pay duties and taxes.
- Court Bond – Guarantees financial commitments in legal matters.
- License & Permit Bond – Ensures businesses meet regulatory requirements.
Business & Professional Insurance
- Public & Product Liability – Covers claims for injuries or damages caused by business activities.
- Professional Indemnity – Protects professionals from liability due to negligence or errors.
- Business Interruption – Compensates for income loss due to operational disruptions.
- Goods in Transit – Covers merchandise during transport.
- Money Insurance – Protects cash, checks, and valuables at business locations or in transit.
Contractors, Machinery & Marine Insurance
- Contractors All Risk – Covers unforeseen damages in construction projects.
- Machinery Breakdown – Protects against sudden equipment failures.
- Plant & Machinery – Insures industrial and construction equipment.
- Electronic Equipment – Covers medical devices, computers, and sensitive electronics.
- Marine Insurance – Protects goods, cargo, and ships from maritime risks.
Life & Health Insurance
- Life Insurance – Provides financial security for beneficiaries.
- Health Insurance – Covers medical expenses for individuals, families, or employees.
Personal & Travel Insurance
- Personal Accident – Covers accidental death, disability, and medical expenses.
- Travel Insurance – Covers medical treatment, repatriation, ambulance services, and loss of belongings while traveling.
Home & Burglary Insurance
- Homeowners Insurance – Covers homes, personal belongings, and household items against fire, theft, and allied risks.
- Householders Insurance – Tailored for tenants to protect household goods and personal effects.
- Burglary Insurance – Protects against losses from forced entry or theft.
Special Risk Insurance
Custom insurance solutions tailored for high-risk industries and unique needs