Personal Insurance
Commercial Insurance

Personal Insurance

To protect your family, home, art, jewelry and cars. We will help to identify, evaluate and determine the best method to protect your assets from the variety of risks that can lead to financial loss.

Whatever your insurance needs, we have the tools and expertise to help you select a plan that works for you. We can provide valuable information about insurance, the risks that make it necessary and how to protect you from these risks.

Please click on the risk below for more information:







Travels and Holidays









1. Property/Assets

a) Houseowners Comprehensive Insurance

This comprehensive policy is to insure your home or building against fire, natural disasters such as windstorm, thunderstorm, earthquake and flood, other extraneous perils like aircraft damage or impact damage by vehicles, explosion, riot and strike, loss of rent when your house is under repair as well as liability to the public for accidents happening at your home.

b) Householders Comprehensive Insurance

This comprehensive policy is specifically arranged to protect your household contents against fire and theft such as furniture, fittings, fixtures, sound and video equipment, kitchen and other appliances including personal effects and valuables. Covers also include liability and loss of rent. The scope of covers is the same as the Houseowners Comprehensive Policy.

2.  Accident/Health

a) Personal Accident Insurance

Accidents can happen any time whether at home, work or at play. There is no guarantee that accident will not occur and you will need to prepare yourself for any eventualities. The policy is designed to protect you in the event of accidental death, permanent disablement including bereavement and repatriation. It covers you 24 hours a day anywhere in the world. Are you protected and prepared that you and your family will have to face the harsh reality of life?

b) Hospitalization & Health Insurance

Illness can occur at the least unexpected time and the high cost of medical treatment comes as even more bad news. To ensure that medical expenses do not become a financial burden to yourself and your loved ones, Health Insurance is a necessity. It is a comfortable feeling to know that you can protect yourself and your loved ones against such possibilities. We have a choice of plans to suit your specific needs and budget designed to give you a complete peace of mind.

3. Travels and Holidays

a) Travel Insurance

Flights delays, loss of luggage, illness or accidents when you travel. Any of these common problems could leave your stranded and helpless. You need Travel Insurance to protect you throughout your journey.


4. Golf

a) Golfers Insurance

Hole in one, breakage or loss of golf clubs and personal effects, liability for injury or accidents to others whilst playing golf. This is the minimum coverage if you are playing golf.


5. Motors/Cars

Owning a car is a major investment and an expensive affair, it is therefore mandatory to insure your vehicles against the risks of accidents and thefts no matter how good and careful are your driving skills.

The following policies are available to insure your vehicles:

a) Comprehensive Insurance

b) Third Party, Fire and Theft

c) Third Party Insurance

There are exclusions in the policy and can be extended to afford wider coverage. This can be done on payment of additional premium based on your need and circumstances:

• Windscreen Damage
• Strike, Riot and Civil Commotion
• Passengers Liability
• All Drivers
• Damage from Falling Trees
• Flood, Thunderstorm and Earthquake

If your vehicle is already insured with another insurance company, not Claim Bonus can be transferred in full.