Our agency is focused on serving our clients through our ability to offer excellent products and services. Customer satisfaction is our number one priority and we are dedicated towards achieving service excellence for our clients’. We are committed to our professionalism to thoroughly understand your needs before customized recommendations are made.
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It caters for the diversified health-care needs of various corporate and employer groups and enables these groups to extend cover to their employees and dependents. Plan offers adequate benefits and cover through tailor-made options. Offers both in-patient and out-patient plans. Depending on which option the employer or employee chooses, the benefits may include hospital care, maternity care, cancer treatment; dental care, chronic illness cover for certain conditions, and ward accommodation.
As set by the law, employees who are injured while on the job receive benefits regardless of who is at fault. Our Worker’s Compensation policy covers employees in the event of death or injuries sustained whilst in the course of their employment. These may include domestic servants, factory workers, drivers, workers at construction sites.
Liability under the Workmen’s Compensation Act 2000 in respect of accidental death, bodily injury and/ or illness disease to employees as declared arising out of and in the course of employment. Including cover when the employee is travelling directly to or from home to work
Benefits as per the workers Compensation act 2000 are summarized as below.
1. Death 60 months earnings
2. Permanent total Disablement 60 months earnings
3. Permanent partial Disablement percentage as set out in the Act of 60 months earning depending on the level of incapacity.
4. Temporary Disablement actual amount awarded having taken into account the period of Disablement and financial loss suffered
5. Medical Expenses Actual and reasonably spent but limited to shs 1m.
Comprehensive Group Personal Accident insurance provides coverage for your most important assets, your employees, should they be involved in an accident. This cover will provide financial security and support for the most unexpected situations, 24 hours a day, all year round, anywhere in the world. The policy also covers events of accidental death, permanent disability and medical reimbursement.
Should you or one of your employees be injured accidentally, whether working or otherwise, our 24 Hour Personal Accident policy will pay out based on the compensation limit you requested. This can either be on a stated benefit basis (i.e. related to the annual salary of your employees), or a fixed amount.
The Insurer will indemnify the Insured against their legal liability to pay compensation including defense costs, fees and expenses anywhere in UGANDA in accordance with UGANDAN Law arising out of acts of omissions or errors on the part of the insured or his paid employees named in the proposal, in the course of their professional service or breach of professional duty by reason of any negligent act, error or omission whenever committed or alleged committed by:
(I) the insured as stated in the schedule
(ii) Any person employed by the Insured in his business conducted in their professional capacity
This policy is very suitable for : lawyers, doctors, insurance brokers, engineers , Security firms, accountants, medical establishments, Architects, surveyors, among others.
Your computers and other electronic equipment’s are an integral part of your business. This policy will cover all your business computers and their accessories against all risks of physical loss, damage or electrical burn whilst in use. We cover licensed software, scanners, printers, audio or visual equipment or any industrial equipment items. In case of computers, the policy can also be extended to include the cost of replacing lost or damaged external data media and the cost of reproducing lost data. Any increased costs in terms of production as a result of the loss or damage can also be claimed from the policy.
Our business is to protect your business. Our new Office Combined Insurance Extra will comprehensively cover your business in terms of:
- Office contents
- Loss of money
- Document or data recovery
- Tenant's Liability
- Public Liability
- “All risks”
- Legal Representation on liability issues
Motor comprehensive insurance covers among others, against accidental loss/theft or damage to the Motor Vehicle and its accessories and excluding spare parts whilst thereon due to any cause other than those causes specifically excluded from the policy.
Liability to third parties. Any accident caused by or through or in connection with any Motor Vehicle described in the schedule or in connection with loading or unloading of which the insured and/or any passenger becomes legally liable to pay all sums including claimant's costs and expenses in respect of. Coverage also extends to include wind screen replacement value, medical cover all designed to give you peace of mind when you are on the road.
Travelling can be stressful when accidents occur. That’s why choosing the right travel insurance for your trip is an essential part of any journey - whether it is for business or pleasure. The policy will cover you in terms of loss of baggage, medical expenses, loss of money, and personal accident. We charge the premiums according to the duration of your travel.
Goods-in-transit insurance is a contract by means of which the insurer assumes any damage and material losses caused to the transport equipment and/or the objects being transported during transport by water, rail, air or sea.
Although goods-in-transit insurance is not obligatory, insuring the goods being transported against any risk that may exist during their transfer from origin to final destination is highly recommended.
This policy specifically covers loss of goods arising out of accidental damage/overturning of the conveying vessel/vehicle including legal liabilities for general average and salvage where applicable
This protects the insured against damage to or loss of property such as industrial complexes, commercial premises and schools as a result of accidental fire, exploitation and lightning. This standard policy can be extended to include the additional perils of storms, earthquake, riot and civil commotions, water damage, impact and malicious damage.
Key cover benefits
Buildings building structure, walls, footpaths, etc.
Contents equipment, such as printing presses, computers, photocopiers, telephones and business records
Goods & stock in trade or work in progress, such as paper and client computer disks
Damage to lawns, shrubs and trees caused by fire
The cost of hiring a temporary security guard following damage to the building
This is a life assurance policy taken out by financial institutions on behalf of their creditors to safeguard their estates, and pays out the outstanding amount when a specific event prevents the creditor from earning to service the loan. This policy can be purchased by banks, building societies, micro finance institutions, co-operative savings and credit societies (SACCOs), hire purchase dealers and employers who offer credit facilities to their employees.
All risk policy will cover your most valuable personal belongings, such as jewelry, clothing, laptop, cell phone and more from accidental loss and damage of your personal valuables.This cover also provides an additional benefit of mobility, hence covering your property whilst being repaired or used while away from the premises.
Bond Insurance offers several types of Bond Insurance these includes customs COMESA RCTG bonds and contract bonds such as Bid bonds, Performance Bonds, Advance Payment Bonds etc. These are essentially securities.
When your livelihood relies on land, you understand more than many what it means to be at the mercy of elements like rain. That is why it’s good to have Agri-Business Insurance, you will enjoy the longest period of cover by insuring your crops as soon as possible after planting. The policy gives comprehensive cover that is flexible enough to fulfill all the personal and agricultural needs of today's farmer. Agriculture insurance covers crops like Coffee, Maize, Beans, Rice, Cotton, Bananas, Oil seeds, and Fruit Trees, Tea and livestock risks like cattle, poultry, and fish/aquaculture. It covers Indemnity against physical loss or damage to growing crops directly by uncontrollable pests and diseases, drought, Fire, Lightening, Malicious damage, Earth quake, Riot and strikes, Explosion and Windstorms.
As a contractor, having your tools, materials and building works covered against loss or damage is very important. This policy covers compensation for accidental or malicious damage and theft at a contract site. The scope of cover includes fire, burglary, floods, earthquake, and unforeseen and accidental damage to the property insured. In addition, the policy will extend to cover the contractor’s liability to members of the public (third parties) in terms of death, injuries or damage to their property arising out of the contractor’s negligence. This insurance cover is provided until the contractor hands over all contractual works to the employer.
House Holder / House Contents policy provides you peace of mind by covering your possessions in the event of an accident, burglary or loss. This means that you will be comprehensively insured in case anything inside your house gets stolen during a burglary, any electrical equipment gets damaged during a power surge or lightning strike, or your contents are damaged because of a flood or fire.
Bond Insurance offers several types of Bond Insurance these includes customs COMESA RCTG bonds and contract bonds such as Bid bonds, Performance Bonds, Advance Payment Bonds etc. These are essentially securities.
Bond insurance is a type of insurance whereby an insurance company guarantees the principle payments of interest in the event of a payment default by the assured.
A bid bond guarantees the principle (project owner) that the insured (contractor) will comply with a bid contract. A bid bond assures the principle (project owner) that the insured (contractor) has the ability to complete a project to the specifications outlined in the submitted bid. It pays out to the principle should the insured back out from a bid after the work has been won.
A performance bond is a surety bond that protects the principle (project owner) against an insured’s (contractor) failure to complete a project as agreed. Performance bonds effectively “bond” specific agreements outlined in a construction contract. If the bonded obligations aren’t met, the principle can claim financial damages. Performance bonds are typically required as part of a bid bond.
A Customs Bond is “a contract which is given to ensure the performance of an obligation imposed by a law or regulation.” The parties involved in the bond contract are the importer (insurer), Surety Company (insurance company) and oblige (CBP) Customs and Border Protection.
The primary purpose of a Customs Bond is to guarantee the payment of import duties and taxes, as well as to assure compliance with all laws and regulations governing the entry of merchandise from foreign shipping points into the Uganda.
If the Principle agrees to make an advance payment (sometimes referred to as a down payment) to a contractor/supplier, a bond may be required to secure the payment against default by the contractor/supplier. This is referred to as an Advance Payment Bond (APB).
Typically on a construction project an advanced payment bond will be required by the principle if the contractor requests advance payment to help them meet significant start up or procurement costs that may have to be incurred before construction begins.
