Miscellaneous Insurance and General Accident Insurance refers to contracts of insurance other than those of Life, Fire, Engineering, Liability and Marine insurance. This branch of insurance covers a variety of risks including material damage. Our Miscellaneous and General Accident insurance solutions protect your business against loss or damage due to fraud or dishonesty of employees (Fidelity Guarantee), loss of money (Money), accidental breakage of glass (Plate Glass) at your premises or accidental death or disablement of employees (Personal Accident). Also, we have comprehensive solutions for Bankers & Exchange Houses and Bullion Trades such as Jewellers & Gold Merchants.
Continue your business operations, stress-free, knowing that your business and income stream are protected.
This cover operates 24 hours and on a worldwide basis. It provides for payment of specified capital benefits following accidental death, bodily injury, permanent total disablement, and permanent partial disablement, temporary total and temporary partial disablement caused by an accident.
In addition, the cover also provides reimbursement of emergency transportation to the nearest hospital and expenses incurred for preparation and repatriation of the mortal remains of the insured person from the place of death to the country of residence.
This insurance is intended to cover fixed plate glass against accidental breakage due to any cause not otherwise excluded in the Policy.
The coverage is designed to replace the broken glass with glass of similar quality or to compensate the loss sustained by the insured.
The insurance cannot be extended for glass which is not fixed, i.e. which might be loose or movable in the premises.
The policy is designed to protect against loss of money, whilst;
The policy covers the employer in respect of any direct financial loss sustained as a result of fraud and dishonesty of his employees who are named in the Policy and committed by them in the course of their employment for their financial gain.
A Jewellers’ Block policy is a special policy designed for Jewellers. It covers all risks of loss or damage from any cause whatsoever for Jewelers and Bank Notes, subject to just a few exclusions.
Combined policy designed especially for the needs of modern banks and financial institutions; the policy covers Money (Cash-in safe & Transit) Infidelity of employees, Coverage for forged cheques and drafts, securities, Counterfeit Currency.etc, and Damage to Offices and their contents during a burglary or break in. Computer Crime Insurance can be added as an extension under BBB, Insurance.