Enterprise risk management (ERM) is a plan-based business strategy that aims to identify, assess, and prepare for any dangers, hazards, and other potentials for disaster both physical and figurative that may interfere with an organization's operations and objectives.

We offer customized insurance programs to cover all your farming activities and we offer services that go beyond insurance placement. Our farming insurance policy provides cover for the following:

Covers financial protection for unforeseen emergencies or travel risks that may affect the insured’s trip abroad. The benefits of the policy include the following but are not limited to:

From customised machinery to electronic equipment, business assets play a vital role in the success of business operations. Our Assets All Risk insurance provides protection for business property that is accidentally physically lost, destroyed or damaged by anything other than excluded causes.

Our engineering insurance solutions are set up to provide strong financial back up for all engineering projects.

This insurance protects against physical damage or destruction of machinery, equipment or apparatus used during ‘work in progress’ while in the process of installing or erecting a plant, machinery and or building. We ensure that you build your projects with peace of mind knowing that you are covered against unforeseen circumstances.

The policy covers, for both amateurs and professionals: golf equipment, Hole-in One, legal liabilities to third parties, hire of golfing equipment following loss, damage or delay when traveling to play a game of golf and reimbursement of tournament entry fees when there is cancellation due to unforeseen sickness or accidental injury occurring.

The policy covers all the goods normally carried or worn by the insured whilst travelling.  Policy offers worldwide cover. Cover is applicable to such items as mobile telephones, jewellery and precious items, laptops and other small pieces of electronic equipment, spectacles and sunglasses. It is a condition of the personal all risk section that it be issued together with the house or the contents.

Though care is taken in appointing a qualified workforce, employees may still commit fraud and theft. Fidelity Guarantee Insurance protects you against this. Everyday employees handle company money, company property and company records. Diverting these into own use is fraud. Fidelity Guarantee covers you against such risk or incident.
.

Businesses are exposed to various forms of legal liabilities for death or injury and /or damage to property, arising from negligent commission or omission of duty of care, such as: General Public liability, Employers liability, Products liability, Tenants liability (where company is a tenant), Property owners liability (where company lets building), Umbrella liability

Directors and Officers Liability Insurance (often called D&O) is liability insurance payable to the directors and officers of a company, or to the organization(s) itself, to cover damages or defense costs in the event they suffer such losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization

Policy provides cover for unexpected and unintended the Insured is obligated to pay caused by pollution, for: On site clean-up costs, Physical bodily injury, sickness, disease, mental anguish or emotional distress, Damage to property, Off-site clean-up costs associated with remediation of soil, surface or ground water or other contamination.

This policy is designed for the homeowner and covers buildings of the home, including out buildings, walls, fences and gates, boreholes and swimming pools, tennis and basketball courts against the perils of fire, lightning, explosion, storm, impact ,malicious damage, theft of fixtures and fittings and breakage of fixed glass.

This cover can be taken together with or separate from the house owners‘ policy stated above and is designed to cover moveable contents of the home whilst in the home or temporarily away at a place of repair, against the perils of theft, fire, lighting, explosion of domestic gas, strikes, accidental damage to television sets, theft of laundry from washing line, theft of goods belonging to domestic workers and deterioration of foodstuff in a fridge.

Covers consignments of goods whilst in transit by road rail or air from and to places stated in the policy. Basis of insured value can be any of the following:

• Free On Board
• Cost and insurance
• Cost, insurance and freight.

Covers accidental death or bodily injury to employees caused by external violent and visible means. Companies may enact this policy for their entire workforce. Cover extends to death injury or loss of ability by an insured worker 24 hours a day, whether they are at work or not.

.

Warehouse Bonds
Customs require a bond on warehouses storing imported goods to ensure that duty is paid once the goods are cleared and removed.

Agents Bond
An agents bond is required by Customs from forwarding and clearing companies who handle goods on behalf of other companies for the due observation of the regulatory authority’s regulations and payment