Services

Products and Services
The Company provides property casualty and general insurance products and related claims and other services to both individual and commercial customers. The Company distributes its products to both its individual and commercial customers primarily through independent insurance brokers, and also distributes its products through its own internal sales force directly, as well as through 3 tied sales agents.
In 2010, the Company distributed its products and services through 31 local, independent insurance brokers.

House and/or Contents

The building(s) and or contents of a private dwelling house are covered for fire, hurricane, earthquake, floods and a variety of other perils. Our Superior Home Insurance Policy has been specially designed with you in mind to give one of the widest covers possible. Our policy includes liabilities, loss of rent, external satellite equipment and all risks cover for jewellery and other valuables.

Motor Vehicle Insurance

With our competitive rates and a No-Claim discount of up to 62.5% on comprehensive private cars, you can opt for either a Comprehensive and/or Third Party policy. Added to this great offer, our policy covers riot, civil commotion and acts of God, with no extra charge - Your premium will remain unchanged.
Added incentive: You can receive an additional discount if you are a Superior Home Insurance Policy holder.

Employer’s Liability

The legal liability of the Insured to pay compensation, along with claimant’s costs and expenses to employees in respect of death, injury or disease sustained during and arising out of their employment.

Contractors All Risks

Accidental loss, damage or destruction of or to specified contract work, material on site &/or construction equipment.

Fidelity Guarantee

The loss of money or goods owned by the insured or for which he is responsible up to the amount stated in the schedule sustained as a result of fraud or dishonesty by any employee(s) committed during the period covered.

Fire & Allied Perils

Loss of or damage to property caused by fire, lightning, explosion, earthquake, hurricane, floods and other perils. Looting may be added at an additional cost.

All Risks

Accidental loss, damage or destruction of a specified list of property covered. Personal items commonly insured on this basis include jewellery, works of art and valued personal possessions. A business may choose to insure specific electronic equipment such as fax machines, photocopiers and typewriters.

Burglary

Loss of or damage to the Insured’s property arising out of a break in involving forcible &/or violent entry into or out of a building in which the property is contained.

"Synergy" Superior Business Package

The new package policy from General Accident is specially designed for all small and medium-sized commercial and industrial businesses. One premium for Property Damage, Business Interruption, Money and Assault, Employers Liability, Public and Products Liability. One policy - several extra benefits.

Business Interruption

Loss of profits or income or increased cost of working arising out of damage to property insured under a Fire and Allied perils policy.

Engineering/Machinery Breakdown

Loss or damage to specified computer hardware and related equipment used in the business or at home whilst contained in the premises stated.

Computer Insurance

The sudden and unforeseen physical loss or damage to specific equipment as a result of explosion, breakdown and accidental damage.

Public Liability

Covers the insured's legal liability to third parties for accidental bodily injury, death &/or loss of or damage to property occurring in connection with the insured’s business at the place or places mentioned in the schedule subject to a limit of indemnity. The policy can be extended to include product liability.