Insurance Products

Let us delight you with our broad range of insurance solutions for your personal and business needs. We serve every segment of the economy.

General Insurance

Accident
Insurance

Accident insurance policies can be categorized into the assurance of the person, liability, property and pecuniary insurance. They generally provide cover for unforeseen, accidental and sudden loss of or damage to property, injuries or deaths.

This bouquet of insurance policies can be categorized into the assurance of the person, liability, property and pecuniary insurance. These insurance policies generally provide cover for unforeseen, accidental and sudden loss of or damage to property, injuries or deaths.

General Accident Insurance Products

Personal Accident Insurance	Group Personal Accident Insurance	Homeowner’s Comprehensive Insurance	Householder’s Comprehensive Insurance
Covers an individual against death or bodily injury caused solely by violent, accidental, external and visible means.	This policy also satisfies the Workmen’s Compensation Law and in addition takes care of your employees against accidental death or bodily injuries for 24 hours a day. The policy covers non work-related injuries. The flexibility of this kind of policy ensures that the benefits can be predetermined and depending on the level of benefit required, multiples of the annual salary of employees can be applied.	Tailor-made for homeowners, it provides cover for damage or loss to your building and/or contents as a result of Fire and Allied Perils [flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion] Burglary and Theft. This insurance policy can be extended to cover alternative accommodation or loss of rent.	Tailor-made for tenants who occupy rented homes/apartments. Cover is provided for damage or loss to your contents as result of Fire and Allied Perils [flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion], Burglary and Theft.
Fidelity Guarantee	Money Insurance Insurance	Goods-in-Transit Insurance	Plate Glass Insurance
Fidelity guarantee is a financial crime cover arranged on an indemnity basis and provides cover against loss of the insured’s property, which can include [money, stock, work-in-progress, equipment and machinery] following theft or fraud by the employee[s]. The insurer acts as a guarantor for the insured and make good the financial effect of such fraud or dishonesty.	The nature of your business may require that cash should be conveyed to and from your business premises to the bank and vice versa, or kept temporarily in a secured safe in the office. The risk of theft whilst the cash is in transit or kept in the safe is very real. The Money insurance policy offers to indemnify you against loss of cash, currencies notes, coins, cheque etc. as result of an accident or an armed robbery attack whilst in transit from your premises to the bank and vice versa or from one office to another and/or loss of monies otherwise locked in a safe as a result of a break-in. Cover can be arranged on Cash-in-transit and cash-in-safe basis.	This is an Insurance cover for accidental loss or damage to goods while in transit by any insured vehicle whether owned by the insured or for which they are responsible. It covers loss resulting from fire, an accident to the carrying vehicle and theft following violence or threat of violence against employees of the insured or carrier outside the Insured’s own premises and while being conveyed by the means of carriage.	This is an all risks policy provides cover for accidental damage and/or breakage of panes of glass, glass facades, glass walls , glass panels, shop windows, decorative glasses for cathedrals ,art galleries, museums etc.

General Liability Insurance Products

Public Liability insurance has been brought about by the general duty of care to others that exists. Public Liability insurance protects the insured in respect of legal liability to third parties for both bodily injury and for any loss of or damage to material property that the insured may be held responsible for. Members of the public may suffer injury or damage to their property due to the activities of someone else, and Public Liability insurance has been designed to provide compensation for those who may have to pay damages and legal costs for such injuries or for the damage to property. Adjoining properties and visitors to your business premises could suffer bodily harm, deaths or property damage. There is a legal requirement under S214 of the Insurance Act, 2021, Act 1061 for all private commercial properties to have an insurance policy in force against Liabilities to third parties for all the liability risks listed above.

Product Liability Insurance	Professional Indemnity Insurance	Bankers Indemnity Insurance	All-Risks Insurance
Public Liability insurance relates to the insured's legal liabilities for bodily injury to third parties or loss of or damage to material property caused by products or goods, a cover which is usually excluded from Public Liability insurances. To avoid any potential gaps in cover, Product Liability insurance is combined with Public Liability insurance.	This is designed to protect the professional person. It protects them against the legal liability to pay damages to persons who have sustained financial loss arising from their own professional negligent act, error or omission, negligent misstatement or misrepresentation, breach of a duty of care, or that of their employees in the conduct of the business. Traditionally designed for a restricted market; it has now been extended to cover professionals in Computer Industry, Telecommunications, Contactors, Engineers Health, Law & Legal etc. PI is now a requirement under S216 of Insurance Act, 2021, Act 1061.	This is a special policy for Banks which provides cover for claims arising out of errors, omissions, misstatements, misleading statements, neglect, breach of trust or breach of duty among others.	This is a broader commercial property insurance coverage for losses arising from accidental/fortuitous cause except specifically excluded. In contrast, named perils insurance provides cover for only losses arising out of causes listed or named in the policy.

Workmen's Compensation Insurance

The Workmen’s Compensation Law 1987 (PNDCL 187) makes it mandatory for employers in Ghana to compensate their employees for accidental injury or death whilst they are on the job.	Management of the organization can pass this burden to insurers by taking the Workmen’s Compensation Insurance. The policy compensates employees for injuries sustained in the work place only.	The amount of the compensation is dependent on the extent of the employee’s injury and determined by the Chief Labour Officer.

Engineering Insurance Products

Boilers and Pressure Vessels Insurance	Plant and Machinery Insurance	Machinery Breakdown Insurance	Stock Deterioration Insurance
This engineering policy provides cover against damage, explosion and collapse of any boiler or pressure vessels or other apparatuses, auxiliaries and surrounding properties insured whilst in the course of ordinary work. Ranges of optional covers are available as extensions: joint leakage, cracking of sections, weld failure, overheating of boilers and tubes.	This provides cover for machines when they are at work or being dismantled, cleaning, overhauling or re-assembling afterwards.	This policy provides cover for sudden and unforeseen physical damage to machinery arising from both internal and external causes. Cost of repairs or replacement of damaged parts is also covered.	Businesses whose activities require cold storage facilities at a certain temperature, could suffer rapid deterioration of stock if storage facilities experience any mechanical failures. This policy provides cover for damage to goods stored in specified cold storage facilities as a result of change in temperature caused by breakdown of refrigerant equipment, failure in public electricity and escape of refrigerant gases.
Contractors All-Risks Insurance (CAR)	Erection All-Risks Insurance	Electronic Equipment Insurance
CAR policy is a first party, material damage [demolition, removal, refounding, rebuilding] cover. In addition to providing cover for the main Contractor, it can be extended to cover sub-contractors. The basis of the policy is to cover the risks arising at the construction site such as damage to adjoining properties, constructional plants, tools and equipment, contract works[temporary or permanent] and liabilities to third parties for bodily injuries and deaths. Contract works for projects such as buildings, roads, bridges, installation of plant and machinery are insured under CAR. Losses occurring during the maintenance periods are also covered until the project is handed over to the principals.	During the erection and installation, storage and testing of plants and machineries, the risks involved are very high which can result into heavy damage to property and contribute to huge financial losses to principal/contractor. The Erection All Risk Insurance is a comprehensive insurance, which provides complete protection against all types of risks involved in the installation of machinery, plant and steel structures of any kind. It is an all risks policy and could be extended to cover other risks.	EEI covers electronic equipment against insured material damage and breakdown caused by sudden and unforeseen physical damage resulting from electronic, electrical or mechanical failure arising from internal causes or power surge/low voltage, which requires immediate repair or replacement to enable normal operation to continue. Cover could be extended to cover other risks.

Bond Insurance Products

Bid Bond or Tender Security	Advance Mobilization Bond/Advance Payment Guarantee	Performance Bond
This assures the employer that the bid is a reasonable one and that, if accepted, the Contractor would effect a contract to perform the work including any bonding requirements. Claims are based on the costs incurred in going through another tender procedure.	This bond is similar to a performance bond as the employer receives a guarantee that any monies advanced to the contractor would not be lost as result of poor performance or default by the contractor.	This policy provides a guarantee on behalf of a contractor that they would perform the project awarded according to specifications and within the stipulated period of the contract. Where the contractor fails or defaults, the penalty being the bond amount will be due for payment. This bond also assures the employer a satisfactory execution of contract works until a certificate of performance or completion is issued.
Retention Bond	Custom Bond
This bond is given in lieu of the retention element of progress payments	Customs Warehouse Bonds provide cover for keeping goods (whose customs duty is yet to be paid) in a customs bonded warehouse and allows for the part payments of the duties allowing the release of part of the consignment. Customs Transit Bonds gives protection for customs revenue loss due to goods being declared as only transiting a country. Provides cover for goods that is only crossing the borders of one country and thus needs not pay customs duties. Bond is called upon if goods remain in the country. Customs Removal Bonds provides cover for the removal of goods on which duty is yet to be paid, from a discharge point to a customs bonded warehouse. Temporary Importation and Re-Exportation Bond provides cover for equipment imported into the country temporarily for use and will be subsequently re-exported to country of origin.

motor
Insurance

Motor insurance provides cover for legal liabilities to third parties for personal bodily injuries and deaths, property damage and can be extended to cover fire, theft, own damage etc. It is compulsory for all vehicles.

Backed by the Motor Vehicle [Third Party Insurance] Act, 1958, it is compulsorily required of all users of motor vehicle on the road. Cover is provided for legal liabilities to third parties for personal bodily injuries and deaths, property damage and can be extended to cover fire, theft, own damage etc. Motor Vehicle Insurance is compulsory for vehicles whether being used for private or commercial purposes.

Motor Insurance Products

Third Party Motor Insurance	Third Party Fire and Theft Insurance	Comprehensive Motor Insurance
For Motor Third Party insurance, the coverage is limited to property damage and injury to third parties. Damage to the insured’s own vehicle is not covered. However, third party property damage limits are set by law (currently GH¢6,000). We can arrange umbrella third party property damage policies to cover higher limits of third party property damage. For bodily injury and death claims, the limit of indemnity depends on the extent of injury suffered by the accident victim(s) and is set by law through a "table of compensation". The minimum Personal accident Cover is GH¢7,000.	The Motor Third Party Fire and Theft Insurance policy offers the benefits under the Third Party in addition to providing cover for your own vehicle when the vehicle or any of its parts are stolen, or there is loss or damage to the vehicle because of fire. The policy does not cover own damage losses.	The Motor Comprehensive insurance policy provides cover for accidental loss or damage to your own vehicles and limited coverage for damage to vehicles and properties of third parties. The policy also provides compensation to third parties in case of death or bodily injury arising out of an accident involving the insured vehicle. Theft of vehicle or its accessories and damage by fire is also covered. Additional benefits include cost of towing and storage, windscreen damage, damage by floods, malicious acts etc. For Comprehensive insurance, the limit of insurance for property damage to the insured’s own vehicle is typically the replacement value of the insured’s vehicle. It has the widest coverage and we recommend that you put your vehicles under a Motor Comprehensive Cover.

Third Party Motor Insurance

Third Party Fire and Theft Insurance

Comprehensive Motor Insurance

For Motor Third Party insurance, the coverage is limited to property damage and injury to third parties. Damage to the insured’s own vehicle is not covered.

However, third party property damage limits are set by law (currently GH¢6,000). We can arrange umbrella third party property damage policies to cover higher limits of third party property damage.

For bodily injury and death claims, the limit of indemnity depends on the extent of injury suffered by the accident victim(s) and is set by law through a "table of compensation". The minimum Personal accident Cover is GH¢7,000.

The Motor Third Party Fire and Theft Insurance policy offers the benefits under the Third Party in addition to providing cover for your own vehicle when the vehicle or any of its parts are stolen, or there is loss or damage to the vehicle because of fire. The policy does not cover own damage losses.

The Motor Comprehensive insurance policy provides cover for accidental loss or damage to your own vehicles and limited coverage for damage to vehicles and properties of third parties. The policy also provides compensation to third parties in case of death or bodily injury arising out of an accident involving the insured vehicle. Theft of vehicle or its accessories and damage by fire is also covered. Additional benefits include cost of towing and storage, windscreen damage, damage by floods, malicious acts etc.

For Comprehensive insurance, the limit of insurance for property damage to the insured’s own vehicle is typically the replacement value of the insured’s vehicle.

It has the widest coverage and we recommend that you put your vehicles under a Motor Comprehensive Cover.

fire & allied perils
Insurance

This provides cover for destruction or damage to buildings caused by fire, lightning and limited form of explosion resulting from fire. And can be extended to cover riots, strikes, civil commotion, burst pipes, flood, storm and tempest etc.

Fire and Allied Perils Insurance provides cover destruction or damage to building caused by Fire, Lightning, limited form of explosion resulting from fire,. Cover could be extended to cover Riots, Strikes, Civil Commotion, loss or damage occasioned by or happening through aircraft or aerial devices, burst pipes, Flood, Storm and tempest, Impact, earthquake, spontaneous combustion, subterranean fire. Under Sections 218-219 of Insurance Act,2021 [Act 1061], compulsory fire insurance is required for all private commercial properties used by the public as well as government buildings.

Fire & Allied Perils Insurance Products

Combined Fire Insurance & Burglary Insurance	Consequential Loss/Business Interruption Insurance	Assets All-Risks Insurance
This policy combines fire and burglary losses in one policy document and losses resulting from either fire or burglary are covered. The insured would be indemnified for such losses provided they are accidental. Additional perils like flood, windstorm, impact damage, typhoon, earthquake etc. are included in the policy. Cover is also provided for loss of or damage to property by theft following forcible and violent breaking into or out of your commercial or business premises or any attempt there at.	Business interruption insurance (BI) is also known as time loss, consequential loss and loss of profits insurance. It provides cover for the financial losses due to an interruption to a business caused by material damage to property. Although, it could be issued as a stand-alone policy, it is often incorporated into a package or commercial combined policy. The most common commercial policies with business Interruption incorporated are Fire and Allied Perils Policy, All risks and Engineering Policies.	This policy indemnifies you against loss, destruction or damage to the insured property from any cause whatsoever (except where specifically excluded), from accidental, sudden and unforeseen cause. It is an all-embracing policy, which covers fire and allied perils (flood, tornado, windstorm, earthquake, burst pipes and apparatus, lightening, strikes, riots and civil commotion) as well as burglary/theft. Cover is provided for buildings, plant and machinery and contents (office Equipment, furniture, fixtures and fittings, Stock etc).
Homeowner’s Comprehensive Insurance	Householder’s Comprehensive Insurance
Tailor-made for homeowners, it provides cover for damage or loss to your building and/or contents as a result of fire and allied perils (flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion), burglary and theft. This insurance policy can be extended to cover alternative accommodation or loss of rent.	Tailor-made for tenants who occupy rented homes/apartments. Cover is provided for damage or loss to your contents as result of Fire and Allied Perils [flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion], burglary and theft.

Combined Fire Insurance & Burglary Insurance

Consequential Loss/Business Interruption Insurance

Assets All-Risks Insurance

This policy combines fire and burglary losses in one policy document and losses resulting from either fire or burglary are covered. The insured would be indemnified for such losses provided they are accidental. Additional perils like flood, windstorm, impact damage, typhoon, earthquake etc. are included in the policy.

Cover is also provided for loss of or damage to property by theft following forcible and violent breaking into or out of your commercial or business premises or any attempt there at.

Business interruption insurance (BI) is also known as time loss, consequential loss and loss of profits insurance. It provides cover for the financial losses due to an interruption to a business caused by material damage to property. Although, it could be issued as a stand-alone policy, it is often incorporated into a package or commercial combined policy. The most common commercial policies with business Interruption incorporated are Fire and Allied Perils Policy, All risks and Engineering Policies.

This policy indemnifies you against loss, destruction or damage to the insured property from any cause whatsoever (except where specifically excluded), from accidental, sudden and unforeseen cause. It is an all-embracing policy, which covers fire and allied perils (flood, tornado, windstorm, earthquake, burst pipes and apparatus, lightening, strikes, riots and civil commotion) as well as burglary/theft. Cover is provided for buildings, plant and machinery and contents (office Equipment, furniture, fixtures and fittings, Stock etc).

Homeowner’s Comprehensive Insurance

Householder’s Comprehensive Insurance

Tailor-made for homeowners, it provides cover for damage or loss to your building and/or contents as a result of fire and allied perils (flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion), burglary and theft. This insurance policy can be extended to cover alternative accommodation or loss of rent.

Tailor-made for tenants who occupy rented homes/apartments. Cover is provided for damage or loss to your contents as result of Fire and Allied Perils [flood, lightening, explosion, storm, earthquake, impact, malicious damage, riots, strikes and civil commotion], burglary and theft.

marine & aviation
Insurance

Marine Hull covers destruction of the vessel, damage to the vessel and other liability risks.

Aviation Insurance provides cover for liability risks and property damage, loss of cargo and injury to persons as a result of an aircraft accident.

Compulsory insurance under Section 222 of Insurance Act, 2021 [Act 1061] and covers all risks associated with ocean freight of goods from Factory to the warehouse, cost of reimbursing the cargo interests for loss of or damage to the cargo. Marine Hull covers destruction of the vessel [actual total loss], damage to the vessel [partial loss or constructive total loss] and other liability risks. Aviation Insurance provides cover for liability risks and property damage, loss of cargo and injury to persons as a result of an aircraft accident.

Marine Insurance Products

Cargo Insurance	Marine Hull Insurance
Stevedoring & Shorehandling Liability Insurance	Ports & Harbours Operators’ Liability Insurance
Ship Repairers Legal Liability Policy Insurance

Aviation Insurance Products

Aviation All-Risks Covering Cargo, Passenger and Mail Liability Insurance	Hangar-Keepers and Product Liability Insurance
Personal Accident for Crew Insurance	Chemical Liability for Helicopters Engaged in Agricultural Spraying Insurance
Helicopter Insurance	Airport Owners and Operators Liability Insurance
Loss of License

Life Insurance

whole life Insurance

A Life Insurance policy which is guaranteed to remain in force for the insured’s lifetime or to the maturity date, provided that the required premiums are paid.

Term Life Insurance

Term Life Insurance provides coverage at a fixed rate of premium for a limited period of time (term).

GROUP LIFE Insurance

Group Life Insurance is a type of Life Insurance policy in which a single contract covers an entire group of people (employees of a company, members of an association, etc.)

FUNERAL Insurance

A Life Insurance policy which pays for the cost of a funeral on the death of the insured. Amount of insurance should be able to cover the cost of a casket and other burial expenses.

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Medical & Travel Insurance

International Medical
Insurance

International medical insurance for your emergency medical evacuation and treatment needs, and non-emergency (elective) medical needs. Starts from $564 per person per annum. $1m cover limits.

PRIVATE HEALTH
Insurance

Private Medical Insurance from a Ghanaian provider to meet the needs of corporate groups, individuals, and families. Various limits of cover are available.

Travel
Insurance

This covers people traveling to destinations requiring Schengen travel insurance, and worldwide travel insurance. We cater for short travel periods, to annual multiple trips.

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Customised Insurance Products

Affinity Insurance
schemes

Specially designed insurance products targeted to meet special needs of a selected group (members of church or association, members of an extended family, etc.), in this case often a large group of people.

Hybrid Insurance
products

All-in-one insurance policies which cover a variety of risks under one insurance contract instead of buying separate insurance policies to cover the different risks. This results in lower premiums compared to taking multiple insurance policies to cover the same risks.

Bank Assurance
Products

Insurance products provided by a bank to its customers. The bank is involved in the design of the products, and they are usually designed to meet specific needs.

Bespoke Product
Design

Our specialty is designing insurance products to cater for specific risks confronting our clients. We can design a custom-made insurance product to mitigate almost any risks faced by our clients.

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Segments of
Economy

We Serve

Construction & Engineering
Energy, Mining & Extractive Industry
Shipping, haulage & Logistics
Transportation
Maritime Transport and Port Operations
Oil & Gas [Upstream, Midstream and Downstream]
Manufacturing, Importers and Exporters

Banking and Financial Institutions
Hospitality, Real Estate & Tourism
Ministries, Departments & Government Agencies
International Development Partner Organizations,
Small & Medium Scale Enterprises
Technology, Fintechs, Insuretechs and IT firms
Services Sector

Professional Bodies & Associations
Manufacturing and Industry
Pharmaceuticals, Biotechnology and Life Sciences
Small and Medium Enterprises
Fitness, Sports and Wellness
Commercial and Professional Services
Civil Society Organisations, NGOs and Education

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Insurance Products

General Insurance

Accident Insurance

Personal Accident Insurance

Group Personal Accident Insurance

Homeowner’s Comprehensive Insurance

Householder’s Comprehensive Insurance

Fidelity Guarantee

Money Insurance Insurance

Goods-in-Transit Insurance

Plate Glass Insurance

Product Liability Insurance

Professional Indemnity Insurance

Bankers Indemnity Insurance

All-Risks Insurance

The Workmen’s Compensation Law 1987 (PNDCL 187) makes it mandatory for employers in Ghana to compensate their employees for accidental injury or death whilst they are on the job.

Boilers and Pressure Vessels Insurance

Plant and Machinery Insurance

Machinery Breakdown Insurance

Stock Deterioration Insurance

Contractors All-Risks Insurance (CAR)

Erection All-Risks Insurance

Electronic Equipment Insurance

Bid Bond or Tender Security

Advance Mobilization Bond/Advance Payment Guarantee

Performance Bond

Retention Bond

Custom Bond

motor Insurance

Third Party Motor Insurance

Third Party Fire and Theft Insurance

Comprehensive Motor Insurance

fire & allied perils Insurance

Combined Fire Insurance & Burglary Insurance

Consequential Loss/Business Interruption Insurance

Assets All-Risks Insurance

Homeowner’s Comprehensive Insurance

Householder’s Comprehensive Insurance

marine & aviation Insurance

Cargo Insurance

Marine Hull Insurance

Stevedoring & Shorehandling Liability Insurance

Ports & Harbours Operators’ Liability Insurance

Ship Repairers Legal Liability Policy Insurance

Aviation All-Risks Covering Cargo, Passenger and Mail Liability Insurance

Hangar-Keepers and Product Liability Insurance

Personal Accident for Crew Insurance

Chemical Liability for Helicopters Engaged in Agricultural Spraying Insurance

Helicopter Insurance

Airport Owners and Operators Liability Insurance

Loss of License

Life Insurance

whole life Insurance

Term Life Insurance

GROUP LIFE Insurance

FUNERAL Insurance

Medical & Travel Insurance

International Medical Insurance

PRIVATE HEALTH Insurance

Travel Insurance

Customised Insurance Products

Affinity Insurance schemes

Hybrid Insurance products

Bank Assurance Products

Bespoke Product Design

Segments of Economy

We Serve

Insurance Products

Insurance Services

Memberships

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Accident
Insurance

motor
Insurance

fire & allied perils
Insurance

marine & aviation
Insurance

International Medical
Insurance

PRIVATE HEALTH
Insurance

Travel
Insurance

Affinity Insurance
schemes

Hybrid Insurance
products

Bank Assurance
Products

Bespoke Product
Design

Segments of
Economy