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Contractors’ All Risks (CAR) The car policy offers a comprehensive and adequate protection against loss or damage in respect of the contract works, construction plant, equipment and machinery, as well as against third-party claims in respect of property damage or bodily injury arising in connection with the execution of a construction project. Cover is also extended to include testing.


Erection All Risk (EAR) The ear policy offers comprehensive and adequate protection against all the risks, involved in the erection of machinery, plant and steel structures of any kind, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.


Contractors’ Plant And Machinery (CPM) This is an insurance of contractors’ plant and machinery on an annual basis. The cover, which is similar to the scope of machinery breakdown (mb) insurance but excluding internal break-down, applies at work, at rest or during maintenance operations and is not limited to a specific construction site.


Machinery Breakdown (MB) This policy provides insurance cover for plant, machinery and mechanical equipment at work, at rest or during maintenance operations and it is an annual policy. Cover include internal breakdown of machinery and all types of machinery, plant, mechanical equipment and apparatus.


Personal/Group Accident Insurance This insurance is suited for those category of employees who are not considered as workmen and who the organization they work for consider their contribution worthwhile such that there arises a moral obligation (as opposed to a legal one under the workman compensation laws) to pay compensation to such employees or their dependents, should the employees sustain injures or die in the course of their employment or outside of it.


This policy provides for persons who sustain bodily injury, disability or death, resulting from an accident caused by external, violent and visible means. Cover is on 24-hours, 365-days basis.


Fidelity Guarantee Insurance The import of this policy is to provide compensation for all direct monetary and / or property losses arising from the dishonest or fraudulent act of an employee, acting alone or in collusion with others.


Goods-In-Transit Insurance This policy will indemnify the company against accidental loss of or damage to the whole or part of goods owned by the company or for which it is responsible, whilst in the course of transit, resulting from:
  • Fire
  • An accident to the carrying vehicle
  • Theft following violence or threat of violence against your employee or carrier


Money Insurance This policy promises to reimburse for loss of money whilst in transit and in safe. Cover is also extended to include:
  • Money on your premises during business hours
  • Money in safe
Money can be in the form of:
  • Cash
  • Bank notes
  • Coins
  • Cheque
  • Travelers cheque
  • Money orders


Burglary Insurance This policy covers loss of property and damage to premises and property by theft or any attempt thereat resulting upon actual forcible and visible entry of premises. The policy could either be taken on a private residence or business premise.


Travel Insurance This is an international travel insurance policy, provided to take charge of risks encountered during your travel outside Ghana.


This policies offers protection to the insured against legal liability for omissions or acts causing death, bodily injury to third parties or loss/damage to their property.


Public liability: This policy covers the amounts that the company may become legally liable to pay as damages as a result of:
  • Accidental bodily injury or death to any person
  • Accidental loss of or damage to their property, which occurs in connection with the company’s operations.


Professional indemnity Professional indemnity insurance covers legal costs and expenses incurred in defense, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause your client to lose money.


Products liability insurance: To protect the insured against his legal liability for injury to third parties, or loss of or damage to their property caused by goods sold, supplied repaired or serviced by the insured.


Workmen’s compensation (Employers liability) This policy is intended to pay compensation to workmen for personal injury or death, which arises out of occupational accident. The policy, in effect, satisfies the legal obligation on all employers, as per workmen’s compensation law (PNDCL 187, 1987) to insure their workmen against injury, disability or death sustained in the course of their employment.


Offers financial protection to ship owners’ merchants, importers, and exporters. The range covers seaborne cargo, water crafts including ships, fishing vessels etc. Marine cover would include
  • Marine hull
  • Marine cargo
  • Stevedoring liabilities etc.