Customer Service +233 302 218 500 | 20 2222 113

Fire

FIRE INSURANCE POLICY

Our Standard Fire Policy covers you against loss by Fire, Lightning and Explosion (arising out of domestic use of gas or a boiler)This Standard cover can be extended to indemnify you against loss or damage to your property caused by any of the following perils;Earthquake,Windstorm,Flood, Explosion, Riot,Strike,Civil Commotion, Bursting or overflowing of water tanks, pressured equipment or pipes, Malicious Damage, Impact by road vehicles, animals or Aircraft and other aerial devices or articles dropped there from

ASSETS ALL RISK POLICY

The Assets All Risk provides cover for the insured against loss, damage or destruction of insured's property resulting from any accidental cause unless specifically excluded from the policy. Consequential Loss /Business Interruption Policy. This policy follows a material damage policy. While the fire policy covers the physical damage to your property this policy covers:
  • Net Profit lost as a result of the interruption of your business.
  • Standing charges which continue to be payable by your business to the extent that they are no longer earned by the residual trading. Wages of the staff that need to be retained during the interruption period.
  • In addition, where your business is dependent partly upon the continued existence of the premises of suppliers, customers or other persons or bodies from whom you receive services or facilities, the policy can be extended to cover loss resulting from damage by insured risk at such other premises.
HOMEOWNER’S COMPREHENSIVE POLICY

It covers the insured’s building and personal effect against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding, earthquake, volcanic eruption, bursting or overflowing of water tanks, etc. It also covers the insured’s legal liability to the public. That is, death and personal injury to any person not being a member of the insured’s household, servant or employee and accidental damage to property not belonging to or in the charge of or under the control of the insured or a member of his household, servant or employee caused within the limits of the private dwelling house. Cover may also be provided for personal accident, which is bodily injury which independently of any other cause shall result in death, temporary disablement or permanent disability and medical expense caused to the insured and or spouse and or children.

HOUSEHOLDERS COMPREHENSIVE POLICY

It covers the insured’s personal effect against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding, earthquake, volcanic eruption, bursting or overflowing of water tanks, etc.

COMMERCIAL FIRE

The Ghana Insurance Act (Act 724) stipulates that all commercial centres’ must have a policy in place to cover for fire and other allied perils with a few add-ons that enable the owners of commercial properties comply fully with the new Insurance regulation on the operation of commercial properties..
  • A Public Liability cover with a limit of GHS 20,000 is for third party bodily injury and property damage.
  • For Buildings under Construction, another extension is made for collapse.
  • It contains a component for Fire Levy and a Fire certificate issue.
SHOP OWNERS COMPREHENSIVE POLICY

It covers the insured’s goods and other personal effect within the shop against Loss or damage caused by perils such as fire, explosion, lightning, storm, hurricane, tornado, flooding, earthquake, volcanic eruption, bursting or overflowing of water tanks, theft following forcible entry or exit etc. It also can be extended to cover the insured’s legal liability to the public. That is, death and personal injury to any person who comes to transact business at the shop.

Get a Free Quote