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Our Products

Family Income Protection Plan

This life insurance plan is designed to serve as a regular income if the life Insured suffers illness or accidental injury leading to incapacity and a loss of earnings. The policy pays a lump sum in the event that the policyholder dies or becomes permanently disabled.


This insurance indemnifies you against loss, destruction or damage to your insured property from theft or attempted theft involving entry or exit from the premises by forcible and violent means.

Home Insurance

As a package policy, home insurance policy covers your building and household contents against fire and its associated perils as well as loss resulting from burglary. At the option of the insured, the policy could be extended to cover the insured’s legal liability to third parties who visit their home. Where the insured’s home becomes uninhabitable following a loss, the policy could further pay for the cost of seeking alternative accommodation. The home insurance policy also covers personal accident that the insured, their spouse and children may suffer.

Travel Insurance Policy

This policy provides a worldwide protection cover for anyone intending to travel outside the borders of Ghana. The policy provides cover for accidental death and permanent disablement, bodily injury, emergency services, medical expenses arising from an illness, hospitalization costs, repatriation to Ghana after treatment, repatriation of policyholder's corpse or ashes to Ghana, repatriation of child(ren) of policyholder insured under the policy, baggage loss, hijacking, etc

Funeral Insurance

Funeral Plan is a life insurance policy designed to provide payment of a lump sum when any or all of the life insured under the policy pass on (dies). These could be the principal life and or their, spouse, biological children, biological parents or parents in law. It could also be extended to cover other family members.

Personal Accident

Personal injuries can adversely affect your earning capacity, well-being and lifestyles of your family in many ways. Personal accident insurance is a 24-hour cover that compensate you against sustained bodily injury caused by a violent accident of external and visible means if it results in death, permanent or temporary total disability and corresponding medical expenses.

Fire & Allied Perils / Assets All Risks Policy

This policy protects the assets of the insured against losses resulting from fire, lightening, explosion, flood, windstorm earthquake, bursting or overflowing of water, impact damage, and damage from aerial devices

The Assets All Risks component is a special policy usually designed to provide cover against a wide range of perils. It is restricted only by those specifically excluded in the policy. It can be designed to cover Fire, Lightning, Flood, Theft, Malicious Damage, Earthquake, Riots and Strikes, Burst Pipe, Impact, and many others.

Motor Insurance

The motor insurance policy covers the legal liabilities of the insured as a result of the use of a vehicle. Depending on the type of policy opted for, the motor policy could further provide cover for damage to the insured’s own vehicle. The types of motor policies are Third Party, Third Party Fire and Theft and Comprehensive.

Third Party Only

The policy indemnifies you and any permitted driver in respect of your legal liability to third parties for death and bodily injury as well as claims for damage to other persons' property. The minimum limit for third party property damage may be pegged at GH¢5000. However, this can be increased at your request. Bodily injury compensation is unlimited.

Third party, Fire and Theft

The Policy will indemnify you with respect to your legal liability for

  • Death of or bodily injury to third parties,

  • Damage to third party property and

  • Theft or fire damage to the insured vehicle


The comprehensive policy will cover all of the risks described above, in addition to accidental damage to your vehicle.

Critical illness

This is a policy designed for to take out the financial burden on individuals and their families in the treatment and management of critical illness or dread diseases when either the individual or a family member is diagnosed with any of the conditions classified under dread or critical illness. Policy pays out a lump sum amount for the treatment of heart attack, cancer, stroke, Alzheimer's, Parkinson's, Kidney failure, Coronary artery disease requiring surgery, Paralysis, Major organ transplant, Multiple Sclerosis among others.

Child Education

Educational Policies are intended to support Parents and Guardians fund their children/ wards education in the future to any desire level. The policy usually comes with an educational Fund and/ or life insurance benefit on the life assured. This is intended to support the education of the child should the Parents or Guardians dies earlier than the maturity date of the policy. Other optional benefits like, Double Accident Benefit, replacement of child, Premium Waiver etc. may be added

Mortgage Insurance

This policy provides protection against repossession (by the lender) of a property acquired through mortgage loan should the death of the policyholder (borrower) occur before the full repayment of the loan or end of term of the mortgage.

In such event, the outstanding mortgage loan balance would be paid on behalf of the deceased policyholder to protect his estate

Credit Life / Loan Protection

Covers debts payment on loans if the insured losses their ability to pay due to an insured event which may include, Death (Natural and Accidental Causes), Total and Permanent Disability, Accidental Temporary Disability, Critical Illness and Loss of income (Retrenchment) among others.

Workmen's Compensation

The Workmen’s Compensation policy covers the liability of Employers for death, injuries or diseases that their employees shall sustain which arise out of and in the course of their employment.

Fidelity Guarantee

This policy provides compensation for any financial loss that result from fraudulent or dishonest acts committed by your employees.

Contractors / Erection All Risks

This policy provides cover for loss of or damage to contract works which occurs in the course of construction. Such works include civil works, erection and installation of plants and steel structures, etc. It further extends to cover third party liabilities for death, bodily injury and property damage that arise during the construction / erection period.

Business Interruption

A business interruption policy pays for income lost when a business is interrupted by an event covered under the policy. Such an event could be fire or a natural disaster that in insured against. This policy is not sold separately but is added to a material damage policy purchased by the insured.

Public and Product Liability

The Public liability policy covers a business for their legal liabilities to third parties for accidental death, bodily injury and property damage which occur in connection with the insured’s business. The Product liability policy further covers the insured for legal liabilities to third parties for accidental death, bodily injury and property damage which results from products they manufacture, sell or supply. The policy extends to cover legal costs and expenses incurred by the insured which the insured shall be legally liable to pay.

Professional Indemnity

A Professional indemnity policy covers an insured for their legal costs and expenses which they shall become legally liable to pay arising from any negligent acts, errors or omissions which occur as a direct result of the professional conduct of their business.

Group Accident Cover

A group personal accident policy provides a 24 hour worldwide cover to the insured for death, injury, temporary total disability or permanent disability that result from any accidental, violent, external and accidental means. At the option of the insured, the policy could be extended to cover medical expenses that the insured incurs from undergoing treatment after an accident.

Comprehensive Group Life

The Comprehensive Group Life Policy is a 24 hour worldwide and all-inclusive policy that covers employees against Death (Natural and Accidental Causes), Total and Permanent Disability, Accidental Temporary Disability and Critical Illness. It could be extended to cover all provisions under the workmen compensation law and families members of employees. It covers the employee both on and off working hours.

Marine ( Cargo and Hull)

The marine cargo policy covers you against the perils of sea and air whilst your goods are being conveyed from its origin to its destination. Cover could be from warehouse-to-warehouse, warehouse-to-port or port-to-port.

The marine hull policy also covers waterborne crafts or vessels against risks such as fire, collision, capsizing, etc. It covers all sizes of crafts ranging from bulk carriers, fishing vessels, tanker ships to yachts, cruise ships, etc

Travel Insurance Policy

This policy provides a worldwide protection cover for anyone intending to travel outside the borders of Ghana. It provides the following benefits: Medical expenses arising from an illness(es), bodily injury and or hospitalisation costs, Repatriation to Ghana after treatment, Repatriation of policyholder's corpse or ashes to Ghana, Repatriation of child(ren) of policyholder insured under the policy, Baggage loss/delay, Personal Accident, loss of passport, etc.


We assist our clients to secure any type of bond they may need for their projects; whether they operate in the building and construction, petroleum industry, etc. The construction bonds include bid bonds, performance bonds, Advance Payment / Mobilization bonds and Retention bonds. The custom bonds as required by the Ghana Revenue Authority consist of Warehouse / Security bonds, Removal bonds, Transit bonds, Temporary importation / Re-exportation bonds


MONEY INSURANCE: This policy covers the insured against accidental loss of or damage to their cash, bank and currency notes, cheques, postal orders, money orders, etc, whilst in transit from one specified location to another. The policy further provides cover for loss of the insured’s money being kept in a safe or strong room. Additionally, the policy extends to cover the insured’s money which is lost from a till following a theft or threat of it.


This policy cover the insured’s goods against loss or damage resulting from fire, theft or accident to the carrying vehicles whilst being transported from one location to another within Ghana.

Plant and Machinery

This policy protects construction plants, machinery and equipment against accidental loss or damage resulting from an event which is not excluded under the policy. Cover is provided for machinery such as graders, excavators, cranes, forklifts, etc whilst at work, at rest or during maintenance operations.

Health Insurance Cover

Health insurance is an insurance product which covers medical and surgical expenses of an insured individual. The individual may be an employee of an organization or a member of a family. It reimburses the expenses incurred due to illness or injury or pays the care provider of the insured individual directly. No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits.

  • Covers essential health benefits critical to maintaining your health and treating illness and accidents.

  • Protects you from unexpected, high medical costs.

  • Pay less for covered in-network health care, even before you meet your deductible.

  • Free preventive care, like vaccines, screenings, and some check-ups, even before you meet your deductible.

Risks Cover

Special risk insurance refers to an insurance policy that is non-traditional or unusual because the person or entity insured is more exposed to certain risks. These unusual risks might be attributed to the dangerous nature of the insured's profession or industry. Insurance companies cover risks like death, sickness, and property damage. But when an individual or an organization comes into close contact with these risks on a regular basis, they might require special risk insurance. A professional boxer, for example, is likely to suffer bodily damage sooner and more frequently than an office worker. While traditional life or health insurance will be suitable for the latter, the boxer will require a special risk insurance. Because of the higher likelihood and frequency of claims, premiums for special risk insurance are more expensive.

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