Cover provides compensation/indemnifies loss of physical assets I.e. Furniture and fittings, electronics and portable items resulting from all perils for those excluded in the policy. Some of the perils include malicious damage, accidental damage, fire, floods, theft etc.

This policy covers loss or damage to money (coins or bank and currency notes, traveller`s cheque, drafts, postal and money orders) due to burglary, hold ups, theft by violent and forcible entry into or exit from the premises or during transit.

Cover indemnifies/compensates loss of physical property as a result of named perils i.e impact damage, Fire, Floods, Riot & Strike, malicious damage, Explosion, Special Perils (water perils of flood, blocked drains etc), Earthquake, Bush Fire etc. Coverage can be extended to an Industrial All Risks policy or further to include Burglary and loss of profits/income (Business Interruption)

covers the loss or damage of ships, cargo, terminals, and any transport by which the property is transferred, acquired, or held between the points of origin and the final destination. Whereas Marine covers oversee Goods In Transits is limited to inland and does not cover the means of transport.

The scope of Worker's Compensation can be widened to cover employees beyond the course of normal working hours. Employees will be covered 24 hours a day (i.e. even after working hours and also during Sundays and public holidays). Furthermore, this cover is applicable worldwide and not restricted to Uganda.

This policy compensates the insured for all damages which they become liable to pay consequent upon:

• Accidental death of or bodily injury or illness of any person. (Third party)
• Accidental loss of or physical damage to tangible property. (Third party)

This policy provides protection against loss of money or negotiable instruments or goods or property belonging to the insured directly Perils Covered.

• Fire
• Theft
• Accidental Damage
• Liability to third parties
• Occupational accidents

This policy is designed to cover against the accidental loss of, or damage to the Motor Vehicle, its accessories and spare parts whilst thereon due to any cause not specifically excluded and liability to third parties.

• Third party Only
• Third party, Fire and Theft