.png)
.png)
COVERAGES
PRIVATE AND COMMERCIAL AUTO INSURANCE
Whether you own a truck, an everyday sedan, a family minivan, or commercial vehicle, we’ve got the right policy for you.
In addition to Third Party Property Damage, our motor policies meet the legal requirements of the Road Traffic Act as it relates to death of or bodily injury to your passengers or others outside the vehicle. You also have the option to cover accidental damage, fire, and theft of your vehicle, as long as it meets our basic criteria.
CONTRACTOR'S ALL RISK INSURANCE
The process of erecting/constructing a home or office building can be very taxing, having to rely on and manage individuals ranging from your architect and contractor to various government agencies. At least with Contractors’ All Risks Insurance you won’t have to worry about your insurance protection. As the leading Contractors’ All Risks insurers in The Bahamas, no one is better able to serve your needs in this line of business. Our Contractors’ All Risks insurance can provide cover for the building being constructed as well as the construction materials and tools being used on the site. Additionally, public liability coverage is available to protect you from sums that you may become legally liable to pay as a result of individuals being injured or their property being damaged due to ongoing construction on your property.
COMPUTER INSURANCE
We live in the information age. With the constant evolution of computing technology and the Internet, companies must ensure that their essential devices are protected at all times.
Our computer insurance is designed to protect your investment in the event of physical loss or damage to the equipment. Consequential loss, such as the cost of recreating the data (but not the cost of data itself), and any increased cost of working to restore your network infrastructure can be insured along with the hardware. Many businesses today would not be able to operate effectively, if at all, without functional computing technology, so ensure that yours is protected with our computer insurance.
EMPLOYERS LIABILITY INSURANCE
Our Employers’ Liability policy provides coverage for sums you may be legally liable to pay to an employee in respect of injury, disease, illnesses or death occurring during the course of their employment with you. This liability as an employer could arise, for example, if an employee fell from a defective ladder you provided and injured themselves. Keep in mind, the law requires employers to provide a safe working environment for its employees.
FIRE & EXTENDED PERILS
If you own a hotel, an automobile parts store or anything in between, we can tailor a product to protect the physical components of your business. Our Fire and Extended Perils policy covers your building and its contents (stock, equipment, furniture, etc.) in the event of fire, lightning, hurricane, tornado, flood, malicious and impact damage, among other perils.
Consider us a business partner. We will do our best to make sure that you return to business as usual in the shortest time possible following an insured loss. Our in-house surveyor will provide a risk assessment survey free of charge and recommend ways for you to reduce your exposure to losses.
HOME INSURANCE
The purchase of a home is one of the biggest investments that most individuals will make in their lifetime, that’s why it is so important to protect it from those inconvenient and oftentimes costly losses.
Our home insurance policy covers your building and its contents for losses resulting from perils, such as fire, lightning, theft, hurricane, tornado, or flood. Our policy also includes a standard Public, Personal and Employers’ Liability coverage up to a limit of $500,000 for any one loss in the event that you may become liable to compensate an individual as a result of your negligence.
Rest assured that we can design a policy to protect your home no matter the size, value or location within our archipelago of islands.
PERSONAL ACCIDENT
Our Personal Accident insurance policy provides compensation to your heirs in the event of death by accident, as well as a fixed sum for the loss of certain body parts. Additionally, it provides a monetary benefit for loss of income and any additional expenses incurred if an individual is unable to work following an accident.
MARINE INSURANCE
The Bahamas is made up of 700 islands and cays. Discover them all with the peace of mind that our Marine policy provides.
Our policy covers loss or damage to your vessel resulting from accidents, fire and theft. We also cover your liability to your passengers or others in the event that they are injured while you are operating your vessel. We can design a policy that meet your needs. You can insure the entire vessel including the hull, engines, equipment, personal possessions, trailer, etc.
MONEY INSURANCE
This product is designed to protect one of your company’s most important assets, your money. There is cover for loss of or damage to your company’s money (and money equivalents) on your business premises, in a bank’s night safe or while it’s being carried by an approved means. Additionally, there is coverage for damage to the safe and/or strongroom on your premises where the money is kept.
In addition to Third Party Property Damage, our motor policies meet the legal requirements of the Road Traffic Act as it relates to death of or bodily injury to your passengers or others outside the vehicle. You also have the option to cover accidental damage, fire, and theft of your vehicle, as long as it meets our basic criteria.
PUBLIC & PRODUCT LIABILITY INSURANCE
Our Public & Product Liability policy covers your liabilities in respect of third party (members of the general public) claims for injuries suffered or property damaged arising out your business’ operations, including all cost and expenses (as agreed) associated with defending a claim. The Products Liability covers your legal liability in the event someone is injured, killed or has their property damaged by a product you supply. Remember, as a proprietor it is your responsibility to ensure that your business place is both safe and suitable for customers who visit the premises and that the products you provide do not cause harm.
THEFT INSURANCE
Today, we are faced with a harsh and cruel reality that our businesses are susceptible to break-ins, which can result in our property being damaged and/or stolen by vandals and thieves. While you can take various precautions to safeguard your property, such as installing burglar bars, monitored alarm systems and closed-circuit television systems, you should never underestimate the ingenuity of today’s criminals.
Do not leave your goods to chance. Our theft insurance is designed to cover loss or damage to property by theft (or attempted theft) involving forcible and violent entry or exit from your premises. There is also coverage for the damage to your building occurring as a result of the break-in or attempted break-in.
CYBER INSURANCE
Cyber insurance is an insurance product designed to help businesses hedge against the potentially devastating effects of cybercrimes such as malware, ransomware, distributed denial-of-service (DDoS) attacks, or any other method used to compromise a network and sensitive data. Also referred to as cyber risk insurance or cybersecurity insurance, these products are personalized to help a company mitigate specific risks.
