The Work Injury Compensation Act (WICA) allows employees make claims for work-related injuries or diseases, without having to take legal action. It is an affordable and quicker alternative to common law for settling compensation claims.

You can claim under WICA if you were injured in a work accident or suffered a disease due to work. You don't have to engage a lawyer to file a WICA claim.

This policy covers company financial risk in the misfortune event of a key personnel’s death. This is highly encouraged to be taken up if business is dependent on personnel’s business contact.

E.g. Sales Director, CEO. This policy will be in place to ease the financial lost as a result of the loss of a valuable employee.

Public liability covers the insured’s liability for injury caused to third party individuals or damage to third party properties. It does not cover claims made by the employees, servants or agents of the insured.

As a business owner or operator, they are responsible for preventing any accidental damage or injury to third parties. This is their legal liability to your customers, suppliers and the public at large.

However, accidents can still occur despite the safety measures in place, and the compensation for such accidents can be very costly. It is therefore prudent to take up Public Liability Insurance to cover legal liabilities to the public for any accidental death, injury and/or loss of or damage to property arising from the company’s operations.

If the company gives professional advice or services (e.g. lawyers, architects, engineers, accountants, surveyors, auditors, etc.) whether as an individual or a company, they face the possible risk of legal suits against you by your clients. This may happen in the event of alleged breach of professional duty of care or duty by reason of a negligent act, error or omission.

Companies should insure themselves with Professional Indemnity Insurance to safeguard your professional legal liabilities for compensation that may include legal costs and expenses incurred as a result of defending a legal suit.

Protect your buildings, stocks in trade and other physical assets against accidental loss or damage caused by any one of the following perils:

- Fire and lightning

- Explosion

- Riot and strike

- Malicious damage

- Aircraft

- Bursting or overflowing of water tanks, apparatus or pipes

- Impact by road vehicles

- Earthquake, volcanic eruption, hurricane, cyclone, typhoon, windstorm, and flood arising therefrom

- Flood

- Smoke damage

- Sprinkler Leakage