Class of Insurance	Description of Risks
Industrial All Risks	Cover all direct sudden and unforeseen physical loss of or damage to the property insured as terms, conditions and exclusion of the policy.
Business Interruption	Cover consequential loss due to interruption of business as a result of loss or damage to the property insured by peril covered under Industrial All Risks.
Marine Cargoes	Cover loss or damage to  the insured goods or merchandise while being transported internationally.
Inland Transit	Cover loss or damage to  the insured goods or merchandise while being transported by land domestically.
Money	Cover loss of money in premise and outside the premise whilst in transit caused by robbery, burglary or any attempt thereat.
Fidelity Guarantee	Cover the Insured against losses caused by one or more dishonest or fradulent acts of the employee (s) of the Insured which result in any improper  personal financial gain for themselves.
Burglary	Cover the property insured arising from theft, robbery, gang robbery including loss or damage arising from any attempt threat.
Carrier Liability	Cover loss arising out of the Insured's legal liability to any person having a legal right to the property entrusted by him for the Insured's care, custody or control during transportation.
Public Liability	Cover to pay compensation on behalf of the Insured for loss or damage to third party which the Insured shall become legally liable to pay as a consequence or result of an accident arising from operation in connection with the Insured's business.
Cyber Risks	Cover to pay compensation on behalf of the Insured for loss or damage to third party to whom the Insured shall become legally liable in connection with or as a result of any activity and/or operation of business conducted and/or contacted through internet, intranet, extranet and/or website of the Insured, internet site, website address and/or through electronic mails or electronic transmission of documents.
Product Liability	Cover to pay compensation on behalf of the Insured for loss or damage to third party which the Insured shall become legally liable to pay as a consequence or result of their products.
Professional Indemnity	Cover to pay compensation on behalf of the Insured for loss or damage to third party which the Insured shall become legally liable to pay as a consequence or result of their professional liability.
Directors & Officers Liability	Cover to pay the loss of each Insured resulting from any claim first made against the Insured for any wrongful acts in the Insured's capacity as a director or officer of the company.
Trade Credit	Cover seller for the protracted default and insolvency of the buyers.
Contractor All Risks	Cover contract works of principal or contractor and/or sub-contractor and cover to pay compensation on behalf of the principal or contractor and/or sub-contractor for loss or damage to third party resulting from their contract works.
Erection All Risks	Cover erection works of principal or contractor and/or sub-contractor for machineries and cover to pay compensation on behalf of the principal or contractor and/or sub-contractor for loss or damage to third party resulting from their erection works.
Motor	Cover to pay own vehicle and to pay compensation on behalf of the Insured for loss or damage incurred to third party which the Insured shall become legally liable to pay as a consequence or result of accidents arisen out of the use of vehicle or its cargo or accessories.
Group Life Insurance	Cover loss of life for 24 hours and worldwide coverage.
Group Accident Insurance	Cover loss of life and dismemberment caused by accident.
Group Total Permanent Disability	Cover the insured member which becomes Total Permanent Disability cause by both sickness and accident.
Group Health Insurance	Cover for compensation of the medical treatment expense in case of sickness and accident and must be instructed by the practitioner.