INSURANCE SOLUTIONS
Comprehensive insurance solutions tailored to your sector's unique risks and challenges.
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Insurance Solutions by Sector
Banking & Finance
The financial sector faces a unique blend of high regulation, digital transformation, and public trust requirements. Our insurance solutions protect your institution against professional negligence, cyber threats, and operational risks.
Common Risks
- •Professional Negligence: Errors in financial advice or asset management leading to client losses
- •Cyber Crime: Data breaches, ransomware attacks, and electronic funds transfer fraud
- •Employee Dishonesty: Internal fraud or theft committed by employees
- •Physical Asset Loss: Robbery of cash on-premises or in-transit
Tailored Solutions
Financial Institutions Professional Indemnity (FIPI)
Protects against claims of negligence, errors, and omissions that result in financial loss for clients
Cyber Security & Data Protection
Covers liability from data breaches, cost of data recovery, and business interruption following cyber attacks
Bankers Blanket Bond (BBB)
Specialized package covering losses from employee fraud, robbery, forgery, and other criminal acts
Directors & Officers (D&O) Liability
Protects personal assets of senior management from lawsuits related to their decisions and actions
Construction
Construction projects involve high-value assets and complex risks from groundbreaking to final handover. Our solutions protect against on-site accidents, property damage, design flaws, and project delays.
Common Risks
- •On-site Accidents: Injury to workers or third parties (e.g., pedestrians)
- •Property Damage: Damage to the project from fire, collapse, water damage, or theft of materials
- •Design & Engineering Flaws: Errors in design leading to costly rework or structural issues
- •Project Delays: Financial losses if completion is delayed due to an insured event
Tailored Solutions
Contractor's All-Risk (CAR) Policy
Comprehensive coverage for physical works under construction and third-party liability for injury or damage
Professional Indemnity Insurance
Essential for architects, engineers, and project managers covering claims of negligence or errors
Delay in Start-Up (DSU) Insurance
Protects project owner's future earnings if the project is delayed due to covered damage
Workers' Compensation
Mandatory coverage for medical expenses and lost wages for employees injured on the job
NGOs & Humanitarian Organizations
Humanitarian organizations operate in unpredictable and challenging environments. Our insurance solutions address staff safety, professional liability, asset protection, and political risks specific to your mission.
Common Risks
- •Staff Safety & Security: Medical emergencies, accidents, or security incidents in remote or high-risk locations
- •Professional Liability: Claims arising from services provided, especially in medical or aid distribution roles
- •Asset Loss: Damage or theft of vital equipment, vehicles, and supplies
- •Political Risks: Operations disrupted by conflict, strikes, riots, or civil commotion
Tailored Solutions
Personnel Protection Package
Comprehensive plan including Global Health Insurance, Personal Accident cover, and Medical Evacuation
War & Political Risk Insurance
Specialized coverage protecting personnel and assets against losses from war, terrorism, and political violence
Public & Professional Liability
Protects the organization from legal liability claims made by beneficiaries, partners, or third parties
Property & Vehicle Insurance
Tailored coverage for offices, equipment, and vehicle fleets, including in high-risk territories
Logistics & Maritime
Supply chains and maritime transport involve complex, global risks. Our solutions cover cargo loss, vessel damage, supply chain liability, and protection against piracy and political perils.
Common Risks
- •Cargo Loss or Damage: Goods damaged by water, impact, temperature changes, or lost through theft
- •Vessel Damage: Physical damage to ships from collision, machinery breakdown, or severe weather
- •Supply Chain Liability: Legal liability for delays, mis-delivery, or damage to client's goods
- •Piracy & Political Perils: Risk of hijacking or vessels caught in geopolitical events
Tailored Solutions
Marine Cargo Insurance
Essential cover for goods with different levels including 'All Risks' for shipments by sea, air, and land
Marine Hull & Machinery Insurance
Protects the physical vessel itself against damage and loss
Freight Forwarder's Liability
Specialized liability policy protecting logistics companies from claims of negligence
Warehouse & Stock Throughput Insurance
Seamless policy covering goods both in storage and while in transit to final destination
Energy Solutions
The energy sector faces large-scale, technically complex risks in oil, gas, and renewable energy. Our solutions address catastrophic events, business interruption, environmental liability, and political instability.
Common Risks
- •Catastrophic Events: Fire, explosions, or well blowouts causing massive property damage and environmental harm
- •Business Interruption: Significant financial loss due to shutdown in production following an insured event
- •Environmental Liability: Immense cost of cleanup and liability following pollution events (e.g., oil spills)
- •Political Instability: Risk of asset seizure, sabotage, or operational disruption due to political turmoil
Tailored Solutions
Operational All-Risks for Energy Property
Specialized policy covering physical damage to refineries, offshore platforms, pipelines, and renewable installations
Control of Well / Operators Extra Expense (OEE)
Critical cover for cost of regaining control of blown-out wells and related pollution cleanup
Business Interruption Insurance
Specifically tailored for the energy sector to cover lost revenue during downtime
Environmental & Pollution Liability
Coverage for cleanup costs, environmental fines, and legal liability arising from pollution incidents
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