This is an umbrella policy which covers individual risks inherent in an individual, it includes the following sections:
- Houseowners (Cover buildings, outbuildings and other permanent fixtures)
- Households (contents)
- Personal All Risks (Covers personal effects normally worn or Carried on a person).
- Marine Hull (Motor boat and small crafts)
- Liability Insurance (Covers general liability, tenants liability and personal liability)
- Personal Accidents