i) Business All Risks
Provides cover against loss or damage to property by:
This policy is issued to individuals to cover the following up to stated limits/sums insured.
iii) Employers Liability Compensation
This policy covers liability at law for death, bodily injury or disease caused during the period of insurance to an employee and arising out of the course of his employment and occurring within the territorial limits during the currency of the insurance period which results in a claim or claims first being made against the insured in writing during the period of insurance
iv) Public liability
This policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from
This policy covers loss of or damage to property contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of the theft or any attempt thereat up to a stated limit.
Vi) All risks
This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.
Vii) Fidelity Guarantee
This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee(s), which results is dishonest personal financial gain for the employee(s) concerned
Viii) Group personal Accident
This policy covers accidental bodily injury/death to the insured employees caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.
ix) Individual Personal Accident
This policy covers accidental bodily injury/death caused solely through external violent and visible means to individuals (whether employed or not).
This policy covers loss of money belonging to the insured whilst such money is in transits or on the insured’s business premises. It may also cover:
Xi) Professional Indemnity
This policy will indemnify you (as the insured) against your legal liability for damages and claimants’ costs and expenses in respect of claim for breach of professional duty.
This policy covers loss of or damage to glass situated at the insured’s premises, the property of the insured.
Xiii) Travel Insurance
Covers the risk a traveler might face in his/her trip overseas. Typically, it covers death, personal accident, medical expenses, repatriation, loss/delay of checked in baggage and loss of passport.
Xiv) Goods in Transit
This is an annual policy covering goods whilst in transit within Tanzania against: