Types of Insurance Products

Motor Insurance
Motor insurance provides protection against damage to motor vehicles arising from traffic accidents, collisions with stationary objects, burnt or theft of a motor vehicle. Contact us for more details.

Fire & Allied Perils.
This is an insurance policy which covers losses or damages to insured properties caused by fire, lightning, explosion, earthquake, bush fire, riot and strikes, floods and related perils. Risks to insure may involve commercial buildings, private dwellings, industries, premises, domestic and business properties. Contact us for more details.

Health Insurance.
Health insurance is defined as a coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment. Contact us for more details.

Group Personal Accident.
These policies cover accidental death or disablement to the insured. Compensation will be payable to the insured or to his legal representative in accordance with the sum insured and scale of compensation agreed and specified in the policy schedule. This policy can be given to individuals or group of individuals. Contact us for more details.

Travel Insurance.
This is insurance which covers medical expenses, loss of deposits, trip cancellation, loss of baggage and passport, death or injury as a result of accident. Some countries require proof of travel insurance to issue visas. Contact us for more details.

Contractors All Risks.
Covers the “Contract Works” undertaken by a contractor against any unforeseen accidental physical loss or damage. Interests covered include but are not limited to the total contract value including costs of all materials and all-temporary and permanent works. Contact us for more details.

Electronic Equipment.
The policy covers accidental loss or damage to electronic equipment like computers and accessories against any unforeseen and sudden physical loss or damage causes include accidental damage, internal damage due to short circuiting and fire. Contact us for more details.

Erection All Risks.
This Policy provides covers for destruction or damage to Machinery during the course of site erection, from storage through handling, erection, commissioning to final testing and during any prescribed subsequent maintenance period caused by fire, burglary, and any unforeseen accident. Contact us for more details.

Machinery Breakdown.
This policy will compensate the Insured in relation to any loss or damage to items specified in the Policy Schedule as a result of any unforeseen and sudden physical loss or damage or breakdown of the machinery from various reasons. Contact us for more details.

Marine Insurance.
This is the insurance which covers the risks of loss, destruction or damage to the goods in transit by sea, land or air. Marine Insurance can be Marine Cargo which covers goods or Marine hull which covers the vessel.

Aviation Insurance.
Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. This insurance is provided to cover loss or damage to the insured’s aircraft, while it is in motion, not in motion or for both. Contact us for more details.

Money Insurance.
Is the policy which covers the loss of money in transit between the bank and the office or between offices. Loss due to theft and attack is covered and can be extended to cover the loss of money in a safe, in the counter and money with directors. Money means and includes cash, bank drafts, currency notes and cheques. Contact us for more details.

Fidelity Guarantee
This is an insurance policy taken out by an employer who wishes to cover the losses incurred due to the dishonesty of his/her employees. It covers property or cash which is owned by the employer. The policy can be taken for all the employees or a select category of employees with limits prescribed for each category. Contact us for more details.

Goods in Transit Insurance.
Goods in Transit provides protection and coverage in case goods are damaged or lost during transit. It also covers loss of or damage of goods during loading and unloading. Contact us for more details.

Bond provides a guarantee to the Beneficiary against loss up to a specified amount resulting from the failure of the client to perform the prescribed obligation or undertaking. Bonds provided are Customs Bonds, Performance Bonds, Bid bonds and Financial Guarantee. Contact us for more details.

Burglary Insurance.
This is an insurance policy that covers losses or property damage as well as financial losses arising from the theft of property from within the premises arising out of the entry of an intruder by force. Contact us for more details.

Asset all risk Insurance.
Is an Insurance which provides protection for business property that is accidentally physically lost, destroyed or damaged by anything other than the excluded causes listed in your policy by your insurance provider. Asset all risk insurance can only be given to risk with a sum insured greater than Tsh 100 billion. Contact us for more details.

All Risks Insurance.
This policy covers the property of the insured against accidental loss or damage for portable items like cameras, laptops, personal computers, videos, mobile phones and other fragile electronic items, personal items, baggage etc. Contact us for more details.

Public Liability Insurance.
This insurance policy is designed for professionals who interact with customers or members of the public. It protects against claims of personal injury or property damage that a third party suffers as a result of your negligence. Contact us for more details.

Professional Indemnity Insurance.
This policy provides cover to professionals against legal liability for any acts of negligence in course of duty. This policy protects the professional or the firm providing the services for such unexpected outcomes. Contact us for more details.

Product Liability Insurance.
This policy provides cover against legal liability in respect of accidental death of or bodily injury or disease contracted by any person, or tangible property arising from anything harmful or defective in any products. Contact us for more details.

Home Insurance.
This cover provide indemnity to the insured against loss of or damage to the residential premises including household goods due to fire, burglary, storm, water damage, earth quake and other related perils. Contact us for more details.