This insurance is a comprehensive policy covering property, particularly static equipment (e.g. office or factory equipment and leased items other than stock in trade), against direct physical damage. This policy insures against all risks of accidental physical loss of or damage due to external causes not excluded under the policy. The term "All Risks" generally refers to losses due to fire, theft, accidents, including impact losses, windstorm, flood and the like.

Burglary Insurance

Provides protection against incidents of thefts of property. This policy covers loss or damage to property or premises against housebreaking or burglary with evidence of actual forcible entry and/or exit, and the resultant damage to the premises.

There are two types of cover available i.e. Full Value and First Loss. Full Value policies are taken where the sum insured represents the full value or the actual value based on the current market value of property to be insured. First Loss policies are taken where the proposer is of the opinion that the maximum amount of loss which may be sustained at any one time will not exceed more than a fraction of the total value at risk

Money Insurance

Provides coverage for loss of money whilst in transit and whilst in premises. This policy insures money (i.e. cash, bank notes, cheques, money order, postal order, bills of exchange, unused stamps and the like) which is stolen whilst in transit (including holdup) or whilst in the premises. It also covers loss following damage to locked safe/strongroom containing money during a burglary. Extensions available are Personal Accident to Carrier and loss of or damage to safe or strongroom

Fidelity Guarantee

Provides coverage against fraud and dishonesty by employees in connection with his occupation and duties. This insurance is useful for cashiers, accountants, salesmen and other such employees. Two types of policies can be issued i.e. individual policy and collective policy. The cover provided by this policy is in respect of direct pecuniary loss suffered by the insured as a result of any act or acts of dishonesty, fraud, forgery or larceny.