Slider

Now, do what matters most – Protect it!

Our Insurance Products cushion your assets against everyday risks that come with property ownership and use. We cover all the perils/losses you can think of – which is your worry? Is it harsh weather conditions, natural disaster, burglary or personal accident? Select all you need from our list of products:

General Insurance Products

How do you benefit?

Fire and Allied Perils (Explosion, Aircraft, Windstorm, Impact)
Flood
       

This is a special policy designed usually for corporate clients who want a complete insurance package to cover a wide range of risks. This policy covers accidental loss of or damage to client’s property or assets arising from a very broad spectrum of causes.

The cover is restricted only by the specific exclusions written in the policy. It can be designed to include fire, lightning, flood, theft, malicious damage, earthquake, riots and strikes, burst pipe, impact, and many others.

Download Form

This policy is designed for employees who handle and/or carry cash or cheques in the course of their work and who are therefore prone to being fraudulent or dishonest on account of the money in their custody. The Fidelity Guarantee policy has been designed to make good and reimburse the employer’s losses of money by reason of fraud or the dishonesty of their employees in connection with their employment.

Download Form

This policy indemnifies the insured for loss of or damage to merchandise in transit by fire, accident, breakdown of vehicle and theft or pilferage following an accident to the carrying vehicle.

Download Form

The marine insurance policies provide cover for cargo against all maritime losses that may occur during the transiting of your cargo. This ensures that your investment is safe. The marine insurance policy can be taken for marine cargo as well as Air cargo and other types of freights. There are two types of covers mainly the Open cover and the Single transit Cover.

Download Form

This policy provides cover for the various types of customs bonds required by the Customs Exercise and Prevention Services (CEPS). The Bond Guarantee is packaged to meet the request from Ghana Revenue Authority (Custom Division) for Re-exportation, Security of Warehouse and Removal of Goods from warehouse.

We also issue Bond to prospective clients who engage in the bidding of contracts and performing of those same contracts as well. These Bonds come in the form of Bid Bonds, Performance Bonds as well as Advance Payment Bonds.

Premium computation is based on the limit of the Bond requested.

Download Form

This type of policy covers the civil works from commencement of construction to final handover (including testing/commissioning and extended maintenance – normally 12 months). The policy also normally includes a section covering claims arising from third parties (Third Party Liability) who are injured, or whose property is damaged, during the construction period.

Download Form

This type of policy insures equipment during installation and testing/commissioning, up to the point where the equipment is operational (when it then is transferred to the Fire, Property All Risks, and/or Machinery Breakdown insurance policy). This policy also contains coverage for an extended maintenance period (typically 12 months) and includes a section for Third Party Liability.

Download Form

This policy covers Business Premises (e.g. Factories, Shops, Offices and Warehouses) and their contents against loss or damage by fire, lightning and explosion. The fire policy can be extended to cover special perils like earthquake, storm, flood, impact, overflowing of water tanks etc.

The policy covers the employer’s liability to the employees for bodily injury or disease arising out of and in the course of employment of an employee. Costs and expenses incurred with our consent in defending any claim for such compensation and Medical expenses are also covered.

Download Form

The policy indemnifies banks for accidental losses or damage sustained within stated limits under the various insuring clauses of the policy, which includes Infidelity of Employees, Premises Risk, Transit Risk, Forged Cheques, Forged Securities, Counterfeit Currencies, Damage to Offices and Contents, Professional Negligence and Loss of documents
This policy provides owners and or financers with cover against unforeseen and sudden physical loss or damage from fire and allied perils, breakdown, short circuiting etc. to equipment such as Computers, Medical, Bio-Medical, Micro Processors, Audio-visual equipment etc.

Download Form

This policy covers professional people against their legal liability to third parties incurred whilst engaged in their profession. For example, a patient may institute a claim against a Medical Officer who negligently prescribed a wrong drug to him. The Medical Officer may fall on her professional indemnity insurers to bail her out.

Download Form

Activa in conjunction with Inter Partner Assistance provides travel insurance cover for individuals less than 75 years old. The cover includes the following:

  • Medical Assistance
  • Insured may access medical care from any of our partner Hospitals worldwide.
  • Escort by family member
    • In the event that the insured needs to be escorted back home as a result of a severe medical condition, the policy will cover the cost of transporting both the insured and his/her escort back to his/her home country.
  • Early return
  • A return ticket will be provided for an insured who must attend the funeral of a close relation in his/her home country while the policy is still in force.
  • Legal assistance abroad
  • Loss of luggage
  • Flight delay, etc.

Download Form

We provide cover for Comprehensive, Third Party Fire & Theft as well as Third Party only for all types of vehicles. These are well underwritten policies which provide you with maximum own damage as well as liability cover
  • Third party Fire and Theft
  • Comprehensive

Download Form

This policy is designed for your employees who are not considered as “workmen” and you consider their contribution worthwhile, such that it becomes a moral duty (as opposed to a legal duty) to pay compensation to such employees or their dependents’ following accidental death or injury to the employee whether in the course of their employment or not.

The Personal accident policy provides compensation for those insured for death or injury arising from accidental violent, external and visible means. A capital sum is payable for death and permanent disablement, with lesser sums for partial permanent disablement such as loss of a limb or an eye.

The policy is usually extended to include a weekly benefit up to 104 weeks if the insured person is temporarily totally disabled due to an accident from engaging in his usual occupation.

Cover is also available for medical expenses necessarily incurred as a result of the accident. This
Policy unlike the Employers liability policy operates for 24 hours a day.
Cover could be for:

  • Accidental death, which could be annual salary or multiples of it.
  • Permanent Disability, which could be annual salary or multiples of it.
  • Temporary Total Disability which is a weekly benefits resulting from loss of earnings for a period up to 104 weeks. This weekly benefit could be 1/52 of the employees’ annual salary.
  • Medical Expenses associated with the accident up to a limit chosen by your company.

The Capital Benefits and the work schedule /category of employee are required to provide a quote.

Download Form