Enterprise Insurance Company Ghana General Insurance Policies

Enterprise Insurance Company Ghana General Insurance Policies

Personal/Group Accident Policy

The Personal Accident Policy provides compensation for those insured against death or injury arising from accidental, violent, external and visible means. A capital sum is payable for death, with lesser sums for loss of limbs or eyesight. A weekly benefit for a specified maximum period is payable for temporary total disablement in addition to medical expenses necessarily incurred as a result of the accident. This Policy unlike the Employers liability policy operates for 24 hours a day, 7 days a week and has a worldwide cover . The Policy is also available for a group.

Assets All Risk Policy

This is a special policy usually designed for corporate clients who want a complete insurance package to cover a wide range of risks. This policy will cover accidental loss or damage to the client’s property or assets arising from a very broad spectrum of causes. The cover is restricted only by the specific exclusions written in the policy. It can be designed to cover Fire, Lightning, Flood, Theft, Malicious Damage, Earthquake, Riots And Strikes, Burst Pipe, Impact, and many others

Employers Liability Policy

This policy provides indemnity in respect of an employer’s legal liability to his employees for occupational injury or disease. Both the Workmen’s compensation Law of 1987 and the Common Law impose certain legal obligations on employers. Under the act, an employer must pay compensation in accordance with the provisions of the Act where an employee is injured or killed in the course of his employment. The Employers’ Liability policy takes care of the employers’ legal, financial obligation to the employee in such an event.

Erection All Risk Policy

The Erection policy offers comprehensive cover for Plant, Machinery and Equipment or Steel Structures in the course of installation including commissioning and testing. Third Party bodily injury and property damages are also covered.

Fidelity Guarantee Policy

The Fidelity Guarantee policy has been designed to make good and reimburse the employers’ loss of money due to fraud or the dishonesty of their employees in connection with their employment.

Burglary (Business Premises) Policy

Our Burglary policy covers stock – in – trade, fixtures and similar property against theft involving entry or exit from the premises by forcible and violent means. Damage to the premises liable to be borne by the insured as a result of such theft or attempted theft is also covered by the policy.

Cash-in-Safe Policy

This policy covers money (which is expressed to include cash; bank and currency notes; cheques; postal and money orders) against accidental loss, damage or destruction from any cause (including fire) which is not specifically excluded whilst :-

  • In transit, being carried by the insured or his authorized representative or sent by registered    post
  • On the insured premises during business hours
  •  In a locked safe or strong room.

Marine Insurance Policy

Enterprise Insurance Marine Insurance Policy Our marine policies are for insuring your cargo against all types of losses that may occur. This ensures that your investments are safe. This policy may also be taken to cover air cargo and other types of freight.

There are two main types, open covers and single covers. Open covers may be taken by importers whose imports are frequent. Under this arrangement the importer takes one policy to cover all his imports, and makes periodic declarations as and when he makes imports.

The single cover may be taken for each import, and is normally suited for those whose imports are not very frequent.

Consequential Loss or Business Interruption

While the fire policy covers the physical damage to your property this policy covers:

  •  Net Profit lost as a consequence of the interruption of your business
  • Standing charges which continue to be payable by your business to the extent that they are no longer earned by the residual trading. Wages of the staff that need to be retained during the interruption period.
  • In addition, where your business is dependent partly upon the continued existence of the premises of suppliers, customers or other persons or bodies from whom you receive services or facilities, the policy can be extended to cover loss resulting from damage by insured risk at such other premises.

Enterprise Home Insurance

This is a packaged policy specially designed for your home. It covers a myriad of perils including Fire, Lightning, Explosion, Earthquake, Riot and Strike, burglary (including armed robbery), Civil Commotion, Impact, Tornado or Windstorm, Flood, Malicious Acts, Burst Pipe, Theft and many more.

Pages ( 1 of 3 ): 1 23Next Page »