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Life insurance provides financial protection for the insured person and their family. Depending on the selected policy, benefits may include family income protection and critical illness cover.

Family income protection can provide income support following an insured illness or accidental injury, with death or permanent disability benefits where included. Critical illness benefits can provide a lump sum following diagnosis of a condition covered by the policy.

Our team can help you select a plan. Benefits, eligibility, exclusions and payment terms depend on the insurer and policy selected.

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.

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.

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 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 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.

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.

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,

Death of or bodily injury to third parties,

Damage to third party property and

Damage to third party property and

Theft or fire damage to the insured vehicle

Theft or fire damage to the insured vehicle

Comprehensive

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

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

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

Health insurance helps individuals and families meet the cost of medical care. Cover may reimburse eligible medical expenses or pay an approved healthcare provider directly, depending on the plan selected.

Contact our team to discuss individual and family options, covered services, provider networks and policy terms.

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.

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.

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

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.

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.

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.

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.

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.

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.

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

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.

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.

Corporate health insurance helps employers arrange medical cover for employees and, where included, their dependants. Benefits and access to healthcare providers depend on the group plan selected.

Contact our team to discuss your workforce, eligibility, covered services and available group options.

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.