» BURGLARY INSURANCE ...

This insurance covers the property within the premises against theft following actual, forcible and violent entry to or exit from the premises or consequent to assault, violence or threat thereof to the Insured or Employees of the Insured or any members of the Insured's family. Some of the items that could be covered under this policy are: stock in trade, goods held in trust or on commissions, furniture, fixtures, fittings, office equipment, stationery, machinery, personal effects, money and jewellery.

» MONEY INSURANCE ...

This policy covers loss to money whilst in transit, whilst in premises during business hours, whilst in the safe/strong room after business hours, loss arising from hold-up, and robbery. Infidelity of Employees too are covered under this policy provided such loss is discovered within 72 hours. The policy could be extended to cover against Riot & Strike, terrorism and personal accident to cash carrying employees for an additional premium.

» FIDELITY GUARANTEE INSURANCE ...

This policy provides cover to Employers in respect of loss of money or goods due to fraud, misappropriation, dishonesty or criminal breach of trust of the Insured's Employees.

» GLASS INSURANCE ...

Glass insurance provides cover to widows, doors, shelves, showcases etc., against accidental damages.

» SURGICAL & HOSPITAL INSURANCE ...

This policy provides the Insured reimbursement of medical expenses incurred against illness or accidental injury that requires medical treatment or surgery in a hospital. The policy does not cover any expenses on pre-existing illnesses. There is also a waiting period of 30 days form the commencement of the policy on claims made for illnesses. However, hospitalization due to accidental injury does not have a waiting period. The policy could be issued to an Individual, Family or a Group (A Company covering there Employees). There are many different schemes and benefits offered by local Insurers. This policy could also be extended to cover out door treatment on specified limits for an additional premium. Special policies are also offered by Insurers covering critical illnesses and overseas surgical and hospitalization cover.

» PERSONAL ACCIDENT INSURANCE ...

This insurance provides cover to the Insured Person/s against death or disablement due to an accident, and is operative on a 24-hour basis. Worldwide cover is provided for incidental travel only. The policy could be extended to provide cover against riot and strike, terrorism and motor cycling or travelling as a pillion rider.

» WORKMEN'S COMPENSATION INSURANCE ...

This policy is designed to indemnify an Employer against any legal liability to his Employees for bodily injury or disease arising out of and whilst in the course of employment. The Employer is legally liable to pay compensation to such Employees under the workmen's compensation ordinance or at common law. In addition the policy covers all legal expenses incurred with the consent of the Insurer in defending any claim. An important condition of this policy is that the jurisdiction limits of this policy is restricted only to Sri Lanka, and the judgement of any court outside Sri Lanka will not be permitted. This policy could also be extended to cover the Workmen of Contractors / Sub-Contractors of the Insured, and terrorism too could be covered as per the workmen's compensation ordinance, excluding common law liability as provided by the Government fund for SR & CC and Terrorism.

» PUBLIC LIABILITY INSURANCE ...

A public liability policy protects the Insured in respect of his legal liability to third parties for both bodily injury (which includes death, illness or disease) and for any loss or damage to property, which occurs in connection with the business insured under this policy. The limit of indemnity would depend on the nature of the business carried on, the guests who visit the premises, types of products sold, types of machinery used, and any other circumstances peculiar to the risk. Cost of legal expenses incurred in defending any claim is also payable with the consent of the Insurers.

» PERSONAL LIABILITY INSURANCE ...

This policy is an adaptation to the public liability insurance. Whilst the public liability policy covers the legal liability to businesses/trades, the personal liability policy protects the Insured against claims arising out of his negligence as a private citizen. This policy may include all family members and covers sports, private cycling, and ownership of domestic animals.

» PROFESSIONAL INDEMNITY INSURANCE ...

Professional indemnity policies are issued to Professionals in respect of any claims made against them for breach of professional duty due to negligence committed by the Insured or Employees in business if applicable. The liability of the Insurer will be the limit of indemnity for which the Insured has covered under the policy. Legal costs could also be recovered with the consent of the Insurer.

» PRODUCT LIABILITY INSURANCE ...

Products liability indemnifies an Insured against legal liability to third parties arising due to accidental bodily injury, illness, disease, death or damage to property caused by products manufactured, supplied or sold by the Insured. The liability of the Insurer shall not exceed the limits of indemnity declared in the policy.

» BOILER EXPLOSION INSURANCE ...

This policy covers damage to the boiler or pressure vessels by explosion or collapse caused by steam, air or fluid pressure. The policy also covers legal liability to third parties for bodily injury or death, other than the Employees, Workmen or Family Members of the Insured and damage to third party properties not belonging to the Insured. All types of steam or hot water heating Boilers, built-in Economisers, Super Heaters, Steam Pressure Vessels or any plant, which operates under pressure, may be covered under this policy.

» MACHINERY BREAKDOWN INSURANCE ...

Machinery Breakdown policies are specially designed to cover damages caused to Machinery whist at the premises against electrical and mechanical breakdown, and accidental damages from extraneous causes. The policy however, does not provide cover during erection or commissioning. Some of the types of Machinery that could be covered under this policy are: Boilers, Air Compressors, Lifts, Service Hoists, Central Air Conditioning Systems, Electric Motors, generators, Water Pumps etc. The policy could also be extended to cover explosion, impact damage to surrounding property due to explosion of Boilers/Pressure Vessels and third party liability consequent to explosion of Boiler/Pressure Vessels.

» CONTRACTORS ALL RISKS INSURANCE ...

This policy is issued to Contractors and or Principals who are involved in construction or civil engineering projects. Insurers have specially designed a Contractors All Risks (CAR) Policy to provide protection to such Contractors who have to face many risks during the course of construction. The CAR policy is divided into two main categories: material damage and third party liability. The coverage is almost on an "All Risks" basis, subject to certain specific exclusions. Some of the perils covered would be: fire, lightning, explosion, malicious damage, inundation, cyclone, storm, tempest, floods, burglary, theft, accidental damage, landslide, subsidence and earthquake. Third party liability, covers the legal liability of the Insured as a result of accidental bodily injury or property damage to third parties. Cover commences from the time of unloading the goods at the site or from the date of commencement of work, and continues during the construction period. The policy expires when the contract works are taken over or put into service, or when the period of Insurance expires. The policy could be extended to cover a maintenance period, riot & strike, terrorism, clearance of debris, damage to surrounding properties belonging to or under the control of the Insured/Contractor/Principal etc., for an additional premium.

» ERECTION ALL RISKS INSURANCE ...

Erection All Risks (EAR) policy is similar to that of the CAR policy, but the main difference is that it involves the erection of Machinery. The cover commences from the time of unloading the items at the site, continues though erection and ceases after taking over of the erected Machinery by the Principal or after the first test run. If testing period is also required to be covered, same could be given only for new Machinery and may be extended to include four weeks of testing. However, for second hand Machinery the cover ceases immediately after the test run is complete. The cover is on an 'All Risks' basis and includes: fire, lightning, malicious damage, explosion, accidental damage, flood, inundation, cyclone, storm, burglary, theft, landslide, subsidence and earthquake. The policy could be extended to cover accidental bodily injury/illness/death and loss/damage to third party properties. In addition the Insurers will pay all costs and expenses of litigation recovered by the Claimant from the Insured, and all costs and expenses incurred by the insured with the written consent of the Insurer. The policy could also be extended to cover riot and strike, terrorism, clearance of debris and surrounding properties belonging to or under the control of the Insured.

» ELECTRONIC EQUIPMENT INSURANCE ...

An Electronic Equipment policy has been specially designed on a comprehensive basis to cover loss/damage caused to Electronic items. Some of the items that could be insured under this policy are: Fax Machines, Photo Copiers, PABX Systems, Radios, Televisions, Medical Equipment, Electronic Typewriters etc. The cover is provided on an all risk basis. Some of the important covers included in the policy are: fire, lightening, explosion, malicious damage, theft, short circuiting, over voltage, accidental damage, cyclone, storm, flood, inundation etc. The policy could also be extended to cover the perils of riot & strike and terrorism. The sum insured under this policy should be the replacement cost of a new item similar to that of the damaged equipment.

» COMPUTER INSURANCE ...

This policy is specifically designed to cover any accidental loss to Computers and Associated Equipments. The policy is offered on an all risk basis. Generally the policy covers the following perils: fire, lightening, explosion, malicious damage, theft, short circuiting, over voltage, accidental damage, cyclone, storm, flood, inundation etc., and could be extended to cover riot & strike and terrorism. Cover against loss/damage suffered to software too could be covered under the policy. In addition, this policy could be extended to cover consequential loss for recompilation of data and increased cost of working.

» TRAVELLERS INSURANCE ...

The high demand in business and personal overseas travel has prompted Insurers to offer a comprehensive cover to the Traveller and members of his/her family offering a wide range of covers. There are various schemes offered by local Insurers. Cover is provided worldwide and on an area-by-area basis. Cover includes: personal accident, loss of baggage and personal effects, emergency medical expenses, emergency transport expenses for medical attention, repatriation, cancellation and travel delays, personal liability, passport indemnity, aircraft hijacking, legal expenses, loss of money / travellers cheques etc.

» GOLFERS INSURANCE ...

This policy covers the legal liability of a Golfer against accidental bodily injury to any person or accidental damage to third party properties whilst playing golf in any recognized golf course in Sri Lanka. In addition to the above, Insurers generally include cover against damage to golf clubs by accidental breakage whilst the Insured is in the course of play, and personal accident cover to the Insured for death and personal disablement caused by bodily injury resulting from any accident caused on any golf course.