Theft involving forcible or violent entry to or exit from the premises.
This is to cover loss of or damage to property by burglary, housebreaking, and/or larceny in the case of private dwellings and business premises. The covers against theft from premises following violent or forcible entry or exit.
Comprehensive General Liability
Legal Liability of the Insured arising out of their operations for Third Party bodily injury and or Property Damage
Covers the Insured against all sums which the Insured shall become legally liable to pay in respect of
- accidental bodily injury to any person and
- accidental loss of or accidental damage to property happening in connection with the Insured’s business.
Insured become legally obliged to pay as damages because of bodily injury to which this insurance applies caused by an occurrence and arising out of the insured’s business.
This class of business is designed to protect employer’s against their liability for accidents to employees.
Fidelity Guarantee Insurance
Fraud or Dishonesty committed by an employee of the Insured
An all risks, theft or burglary policy will usually exclude losses due to theft by people legally on the premises. This obviously excludes losses caused by employee theft. Such losses are covered under a Fidelity Guarantee policy.
Loss caused by the dishonesty or fraud of the employee. The insurance will be operative in respect of the misappropriation of both cash and goods.
Covers direct pecuniary losses following fraudulent embezzlement by an employee or employees who are entrusted with money, stock etc. or who have signing authority.
Housebreaking or Theft whilst in the strong room/safe or during transit
Cash, bank and currency notes, cheques, money orders, postal orders and current postage stamps are excluded from the cover given by a fire insurance policy and a separate money policy is usually required. This is written on an “All Risks” basis to cover any accidental loss or damage but will exclude or limit cover for employee dishonesty. Cover can extend to money in or out of a safe on business premises, in the home of any director or employee, in a safety deposit box, in transit to or from the bank or in the hands of bill collectors. One particular area that needs to be considered is the definition of money.
( Suggested 5 to 12 Lines)
Death or Permanent Total Disability or Permanent Partial Disability due to accident .
The insurance carries a number of benefits which are
- Accidental Death
- Permanent Total Disability
- Permanent Partial Disability
Individual Personal Accident Insurance covers losses resulting directly and independently of all other causes from bodily injuries caused by an accident on or off duty or anywhere in the world.
The Sum Insured can be selected to suit individual requirements.
Additional Benefits and Extensions:
1. No Medical Examinations are required to enroll in the plan.
2. Personal Accident plans are designed to be affordable and it is cost savings for family enrolment.
3. Personal Accident plans are low cost supplement to your life insurance cover.
4. Personal Accident plans offer 24 hours worldwide protection.
5. Most Personal Accident Plans cover accidental medical expenses reimbursement
Legal Liability of the Insured arising out of their operations for Third Party bodily injury and or Property Damage.
Indemnities are provided in respect of legal liability for Accidental bodily injury to, or damage to the Property of, third parties (i.e., members of the public) caused by the negligence of the Insured or of his employees, or by defects in his ways, works, premises, machinery, or plant. There are many separate types of policies specially adapted to particular risks, such as public authorities, cinemas and theaters, estate owners and farmers, and property owners’ indemnities. The later class of policy limited to legal liability for accidents caused by defects in building
Public & Products Liability
Legal Liability of the Insured arising out of their operations for Third Party bodily injury and or Property Damage including Products
Covers the Insured against all sums which the Insured shall become legally liable to pay in respect of accidental bodily injury to any person and accidental loss of or accidental damage to property happening in connection with the Insured’s business.
Work related accidents during working hours and during travelling to and from the work site.
Workers Compensation insurance covers an employer for their legal liability to employees in accordance with the Saudi Labour Law.
Covers compensation payable by an employer to his employees, following injuries caused by work related accidents as per Saudi Labour Law.