Financial Lines & Liability
Fidelity Guarantee
This policy covers direct financial loss sustained by the business due to fraud or dishonesty of an employee which results in direct financial gain for the employee concerned .
Cyber Insurance
Coverage for financial losses resulting from cyber attacks, data breaches, and other cyber risks, including costs for data restoration, legal expenses, business interruption, and regulatory fines.
Professional Indemnity
Provides protection for professional firms and individuals, such as solicitors, architects, accountants, and brokers, against losses arising from professional negligence or errors in the services they provide.
Directors & Officers Liability
Protects directors and officers from claims arising out of decisions or actions in official roles, including those by shareholders, clients, employees, regulators, stakeholders.
Employers & Residual Liability
Provides indemnity for injuries to employees arising during the course of employment, covering all employer liabilities as required by Section 74(1) of the NSSA Notice 1990.
Public Liability
This covers a firm’s liability at law for injury to persons (other than its employees) and damage to property (other than the firm’s own or for which they are responsible).
Products Liability
This policy covers all legal liabilities to third parties arising out of accidental bodily injury or death or illness or accidental damage caused by the use of insured products.
Defective Workmanship Liability
Covers businesses that perform physical work, such as vehicle or machinery repairers, for damages from workmanship, like incorrect installation leading to an accident.
Umbrella Liability
Provides additional liability cover above the exposures covered by motor third party, employers & residual, products, public, and directors & officers liability insurance.