Cargo

All types of cargo carried by sea or air including bulk, break bulk, containerised, livestock, reefer and general cargo.

Hull & Machinery

Cover for the hull, machinery and equipment of all types of vessels from fishing boats to VLCC’s, war risks, from small private yachts to luxury cruise liners.

Protection & Indemnity

Protection against all Shipowners’ liabilities including, collision, damage to fixed and floating objects, removal of wreck, crew injury, illness and death, liability to cargo, oil pollution and Charterers’ liabilities.

Freight, Demurrage
and Defense

Cover for Shipowners’ and Charterers’ legal expenses. This cover also includes provision of legal advice on all matters relating to the assured’s contracts including charter party, sale and purchase and new building contracts.

Specialist Cover

Cover against confiscation, expropriation, nationalisation and detention.

Port Operators and Ship Repairer’s liabilities

Tailor made cover for all property and liabilities associated therewith.

Ship Mortgage Indemnity

Cover to enhance ship-financing arrangements so avoiding the need for costly mezzanine financing.

Loss of Hire

Covers owner against loss of Hire income.

Material Damage and Business Interruption

Loss of or damage to physical assets and the resultant loss of income or increased costs of working.  This will include for instance: Buildings, Contents, Plant and Equipment, Raw Materials, Work in Progress and Finished Stocks.  The cover is available for generally any asset, such as commercial centres, office blocks, apartment blocks, hotels and resorts, marinas, industrial plants, utilities, industrial complexes.  The recommended form of cover is generally ‘Property All Risks’.  The Business interruption cover follows directly from the Property All Risks.

Machinery Breakdown and  associated Business Interruption

Another form of material damage cover, but specifically for plant and machinery.  This policy pays for the loss or damage or business interruption, caused by mechanical or electrical breakdown.

Liability Insurance

Your legal liability to pay compensation to third parties for injury or damage to their property, arising out of your business activities.  Cover should apply anywhere in the world that you conduct business, where personnel travel or to where you provide products.  Employers’ Liability relates to injury to employees and cover can be tailored to a workmen’s compensation insurance or dovetail with reimbursement under G.O.S.I.
Professional Indemnity risks fall under this umbrella. This is compensation payable following breach of professional duty by professionals, including medical malpractice.

Contractors All Risks/ Erection All Risks and Liability

A combined insurance covering the material damage, machinery breakdown and third party liability risks associated with any type of construction or erection project, from first mobilisation to handover and during the maintenance period.  Cover can be extended to cover loss of future anticipated profit due to delay in start up, caused by damage to the project during the construction period.

Specialist Risks

Banker’s Blanket Bond.  A specialist insurance covering Bank risks, such as acting on forged or counterfeit documents and loss of ‘valuable’ property.
Jewellers Block, covering risk associated with Jewellers.
Political and Credit Risks insurance are often required by Investors in projects undertaken in countries with ‘difficult’ political environments.

Employee Benefits

This category covers a range of insurances such as Life and Accident (paying a benefit following death or disablement), Medical Expenses, Group Business Travel, Key Man (where the employer effects insurance to provide a lump sum payment following the death of a key director, whose death may result in a loss of income to the company)

Miscellaneous risks

Loss of Money, Fidelity Guarantee, Deterioration of Chilled and Frozen foods, Motor Vehicle.  A wide variety of ancillary insurance covers are available

Livestock

Including racehorses, camels, sheep in transit, etc.

Personal Insurance

Insurance is available for the individual, including home contents, travel and medical expenses

Offshore Jack-Up Drilling
Rigs  

Cover against physical loss or damage and respective contractual liabilities whilst working on location and moves between location

Exploration & Development
Insurance

Control of Well, Redrilling/Extra expense, Seepage & Pollution, cleanup and contamination

Offshore Construction

Procurement, fabrication, load-out and installation including removal of debris and contractual liabilities

Offshore Supply, anchor
handling, tug and supply
vessels Accommodation units

Annual insurances for physical loss or damage, respective contractual and maritime liabilities to third parties and crew.