Casualty insurances are generally designed to cover rights and interests rather than assets. The various policies under the casualty department include the following: 

Employer's liability

This policy covers your legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out the course of his employment.

Public liability

This policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from:
  • Accidental death of or bodily injuries to,
  • Illness or disease contracted by, and
  • Accidental loss of or damage to property belonging to members of the public arising anywhere in connection with business.

All risks

This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.


This policy covers loss of or damage to property/ contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of the theft or any attempt thereafter up to a stated limit.

Fidelity guarantee

This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee (s), which results in dishonest personal financial gain for the employee (s) concerned.

Group Personal Accident

This policy covers accidental bodily injury/death to the insured employees caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.

Individual Personal Accident

This policy covers accidental bodily injury /death caused solely through external violent and visible means to individuals (whether employed or not).


This policy covers loss of money belonging to the insured whilst such money is in transit or on the insured's business premises. It may also cover:
  • Loss of or damage to safes and / or strong rooms used for the storage of money resulting from theft or any attempt thereat
  • Loss of money arising from a hold-up, robbery or any attempt thereat.

Professional indemnity

This policy will indemnify you (as the insured) against your legal liability for damages and claimant's costs and expenses in respect of claims for breach of professional duty
  • First made against you by reason of any neglect, error or omission
  • Occurring or committed in good faith and in connection with the conduct of the practice


This policy covers loss of or damage to glass situated at the insured's premises, the property of the insured

Medical Malpractice

This policy covers the insured against their legal liability to pay compensatory damages (including claimant's costs and defense costs) for bodily or mental injury to, illness, disease or death of any patient caused or alleged (other than by the insured) to be caused or alleged by malpractice arising out of the Business/profession.

Directors' And Officers Liability

This policy covers you as the insured against your legal liability for loss/damage resulting from any wrongful act of your insured staff in their capacity as director, officer or employee of the company except as specifically excluded.

Customer Protection

This policy covers hire purchase companies for goods which are the subject matter of a Hire purchase Agreement against loss or damage by accident arising from fortuitous circumstances not specifically excluded.

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