Property
Your stakeholders expect you to protect the company assets against accidental perils. Be it your mortgagee, your shareholder, your employee or even your customers. Assets are the core of a company that requires protection physically and also transferring the risk of accidental loss to others.

Once the properties to be insured are identified, the company can seek protection from a list of possible perils or be protected on an “all risks” basis.

Simply looking at the cover page of insurance policy with your name on it should not be taken for granted that your property is covered. There are terms in the policy that needs to be understood. We are here to assist you.
 

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Liability
The company can be held responsible for the harm it causes because of its premises, employee, products or simply its lack of actions. Company liability arises from a breach of its duty owed to another, or attached to it under strict liability. Dealing with liability requires the insured to have an understanding of the common law and statue law duties it has towards others. Some of these are strict liability attached without much proving required.

Unlike property insurance where it is tangible and its value assessable, liability class of insurance can be more challenging to determine the company’s exposure and thus determining the limit of indemnity to insured as liability exposure can be unlimited.

The company is encouraged to evaluate which parties it has liability exposure towards, determine the limit of indemnity to protect, seek the appropriate product to address its needs and transfer its risk.
 

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Motor
Motor insurance has evolves to be its own class of business in most insurance companies. It is packaged to include property, liability and personal accident cover within it.

Fleet Motor
Bulk purchase provide greater statistic and risk diversification for insurance company. This normally translates to a lower price for Fleet than insuring them individually. If you have more than 5 vehicles within your company operation, we can help you to plan your motor insurance.

Special Vehicle and High-tonnage
Your vehicle has a crane on it or it is design for specific commercial purpose. You might need to insure the equipment on it separately. Talk to us to understand more.
 

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Marine

The first form of insurance contract. Marine insurance is closely associated to international trades. You may be doing one-off shipment or is a repeated shipper. We can arrange open-cover or stand-alone policy just as conveniently.

Your bank will be requiring you to demonstrate that the goods are protected. We understand the importance of speed because of that.

We are here to help you with any form of shipment insurance request.

 

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Engineering

Engineering and construction projects require specific insurance to cater for its unique nature and risk considerations. Every project is made up of many sub-contractors handling their own specialised area. There is much to gain with timely and successful delivery of the project. With that much to gain, any accident may jeopardised the project and result in losses.

Insurance doesn’t starts when you start the project. Many of our clients will contact us to understand the market during the pre-tender stage. This allows them to cater for the insurance cost in their tender accurately. Wrong insurance costing might make your tender uncompetitive if you are too high and even eat into your profit margin if you go in too low. There is no project too small for our attention. Talk to us.

Our strength in helping you handle the engineering insurance will allow you to concentrate in doing what you do best.
 

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Employee’s Benefits
The greatest asset of any company is their human resources. Providing the protection to employee is also part of the staff-retention strategy.

We will speak to your HR manager to understand your employees’ needs and proposed the right product-mix for the company. This can be further compliment with the option to allow your employee to self-finance additional coverage.

We can also arrange for work-site explanation of coverage on one-to-one basis to allow your employee the opportunity to learn more.

Simply providing the insurance to your employee will not be enough; you need to market the benefits to them.
 

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Sureties and Guarantees
Businesses will need to provide deposits or have part of their money withheld when dealing with another third party that might not know them well. This ties up much of the company’s cash flow and even eats into their credit lines.

General insurance has evolved to more than just plain Property and Casualty insurance. In many situations, insurance company can provide insurance guarantee in lieu of deposits or withholdings. This frees up the companies assets or credit lines for more effective use of cash.

Our team is experienced handling a wide variety of guarantees or bonds issued by insurance companies. Let us know where your cash been committed to for us to help you see if they can be replaced by insurance.
 

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