Transportation has become very important in our daily affairs.  People’s provides insurance coverage which range from the Compulsary Third party liability, as required by the law, to Voluntary Liabilities against bodily injury and death, Liabilities against property damage, to the Comprehensive Coverage which protects even against losses due to theft and damages.

Fires frequently occur in the country is still remains a common cause of destruction.  Insurance coverage is available against losses and damages brought about by fire, as well as related perils such as Lightning, Falling Structures, Explosion, Damage brought about due to the Efforts of Firefighters, and Losses incurred while attempting to Salvage Items from the blaze.  It is also possible to include in your coverage, properties such as Household Furniture, Appliances and Personal Effects; Improvements made on existing structures; Stocks or Supplies; and Machineries and Equipment.

We also provide all kinds of surety bonds for various particular uses such as those applied on Contracts or required of Bidders; to ensure Performance of to be held as Guarantee; for judicial use; License and Permits; and for General Application.

A Type of insurance coverage that provides benefits should an injury result in death and permanent or temporary disability.  Also available are coverage for medical and surgical expenses, against murder and assault, and in cases which may take place while traveling on non-scheduled flights.

Coverage against all liability exposures of a business unless specifically excluded. Coverage includes products, completed operations, premises and operations, elevators, and independent contractors. This form has been replaced by the Commercial General Liability Form (CGL).

Products coverage insures when a liability suit is brought against the manufacturer and/or distributor of a product because of someone incurring bodily injury or property damage through use of the product. (The manufacturer of the product must use all reasonable means to make certain that the product is free from any inherent defect.)

Contractor's All Risk Insurance offers comprehensive and adequate protection against loss or damage in respect of contract works, construction plant and equipment and/ or construction machinery, as well as third party claims in respect of property damage or bodily injury arising in connection with the execution of a civil engineering project. This policy is extremely useful for consulting engineers, architects and financiers because it contributes to reducing the overall construction expenses and at the same time offers efficient financial protection for all parties concerned.

ERECTION ALL RISK INSURANCE

Covers risks associated with storage, assembly/erection and testing of Plant and Machinery. EAR insurance provides comprehensive cover. All perils are covered unless specifically excluded. Cover incepts from the time of unloading of the first consignment at the project site and terminates on completion of testing or handing over of the project to the Principal, or the period chosen, whichever is earlier.

ELECTRONIC EQUIPMENT INSURANCE

Offers you financial protection in case your electronic equipment suffers accidental electrical and machinery breakdown requiring repairs and /or replacement. This policy covers all types of computers including micro - processors, word - processors, tele - communication instruments, machine for medical use, films and television studio equipment, electronic score boards etc.

Under this insurance you are covered against all kinds of accidental, Electrical and Mechanical breakdowns due to internal causes ,external causes and operational deficiencies.

BOILER PRESSURE & VESSEL INSURANCE

The Boiler & Pressure Vessel policy provide cover against:
- Damage (other than fire) to the boiler or pressure vessels and to other property of the Insured
- Liability of the Insured at law for damage to property not belonging to the Insured,
- Liability of the Insured at law for of fatal or non-fatal injuries to any persons other than the - Insured's own employees or workmen or members of the Insured's family,
caused by and solely due to explosion or collapse as hereinafter defined of any boiler or pressure vessel described in the Schedule whilst in the course of ordinary working.

MARINE INSURANCE

Covers the loss or damage of ships, cargo, terminals, and any transport or property by which cargo is transferred, acquired, or held between the points of origin and final destination.

FIDELITY INSURANCE

Protects organizations from loss of money, securities, or inventory resulting from crime. Common Fidelity claims allege employee dishonesty, embezzlement, forgery, robbery, safe burglary, computer fraud, wire transfer fraud, counterfeiting, and other criminal acts.

These schemes involve every possible angle, taking advantage of any potential weakness in your company’s financial controls. From fictitious employees, dummy accounts payable, non-existent suppliers to outright theft of money, securities and property. Fraud and embezzlement in the workplace is on the rise, occurring in even the best work environments.

PROPERTY FLOATER INSURANCE

Coverage for all personal property, regardless of location of the insured and household residents, including children away at school. Written on an all-risk basis, subject to excluded perils such as war, wear and tear, mechanical breakdown, vermin, and nuclear disaster. Personal property includes clothing, televisions, musical instruments, cameras, jewelry, watches, furs, furniture, radios, and appliances. Coverage can be extended to damage of real property as the result of theft of personal property.