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

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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.

Besides all the above, it provides cover for the cost of alternative accommodation or rent, when your home is rendered uninhabitable as a result of the occurrence of an insured peril.

It also pays for your legal liabilities to domestic staff or third parties, in addition to a Personal Accident Cover for yourself and other dependants.

This is truly a packed policy to ensure that your property and dependants are well covered

Enterprise Travel Insurance

This product is designed for anyone intending to travel outside the borders of Ghana. It provides the following benefits: Medical expenses arising from an illness(es), bodily injury and or hospitalisation costs up to 30,000 Euros, Repatriation to Ghana after treatment, Repatriation of policyholder’s corpse or ashes to Ghana, Repatriation of child(ren) of policyholder under 16years insured under the same policy, Baggage loss/delay, Personal Accident

Motor Insurance Policy

Under Motor Insurance we have the following covers:
Third Party only, Third Party Fire & Theft, and Comprehensive

  • Third Party only
    The policy indemnifies you and any permitted driver in respect of your legal liability to third parties for death and bodily injury as well as claims for damage to other persons’ property. The minimum limit for third party property damage at present is GH¢2000, However this can be increased at your request. Bodily injury is unlimited.
  • Third party, Fire and Theft
    In addition to the Third Party cover described above, this policy covers your vehicle against the risks of fire and theft.
  • Comprehensive
    The comprehensive policy will cover all of the risks described above, in addition to accidental damage to your vehicle. What is more, you now have the option of getting your comprehensive motor claim paid in three days. Just sign up.

Contractors-All-Risk Policy

The Contractors-All-Risk Policy is a package policy covering all risks to which a construction firm is exposed.

Section I of the policy covers property insured on the project site against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

Section II indemnifies you against sums you shall become legally liable to pay as damages consequent upon accidental bodily injury to or illness of third parties and accidental loss of or damage to property belonging to third parties occurring in direct connection with the construction items insured and happening on or in the immediate vicinity of the site. We design customized policies to cover projects and other special assignments. We invite you to call on us to discuss any such issues. We are very open-minded and will propose a solution to suit your requirements.

Customs Bonds Policy

Customs Excise and Preventive Service (CEPS) may require certain bonds from you in the course of your import and export business; we would provide you with any such bond whenever demanded.

Fire Insurance Policy

Our Standard Fire Policy covers you against loss by Fire, Lightning and Explosion (arising out of domestic use of gas or a boiler)

This Standard cover can be extended to indemnify you against loss or damage to your property caused by any of the following perils;

  •     Earthquake
  •     Windstorm
  •     Flood
  •     Explosion
  •     Riot
  •     Strike
  •     Civil Commotion
  •     Bursting or overflowing of water tanks, pressured equipment or pipes
  •     Malicious Damage
  •     Impact by road vehicles, animals or Aircraft and other aerial devices or articles dropped there from

Goods-In-Transit Policy

This policy indemnifies the insured for loss of or damage to merchandise in transit by caused fire, accident and theft/pilferage following an accident to the carrying vehicle.

Money Insurance 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.

Public Liability Policy

Enterprise Insurance Public Liability Policy The Public Liability Policy protects an insured in respect of his legal liability to third parties for both bodily injury including illness and for any loss or damage to property, which happens in connection with the respective insured business.

Home and Personal Assets Protection Policy

Enterprise Insurance Home and Personal Assets Protection Policy 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.

It also pays for your legal liabilities to domestic staff or third parties, in addition to a personal accident cover for yourself and other dependants.

This is truly a packaged policy to ensure that your property and dependants are well covered.

Professional Indemnity Policy

It has frequently been held by the Law Courts that the highest possible standard of care and accuracy is required from a professional who accepts a fee for giving advice on technical matters.

The Professional Indemnity Policy provides cover for the Insured’s legal liability for financial loss incurred by a third party arising out of the advice given by the Insured in a professional capacity.

Electronic Equipment Insurance

This policy is specially designed to cover electronic/electrical systems like communication facilities, computers and other electronic data processing equipment against any unforeseen and sudden physical loss or damage by any cause (other than the exclusions specified in the policy), in a manner necessitating repair or replacement.

Product Liability Policy

The Products Liability Policy has been designed to cover the Insured’s’ legal liability for bodily injury to persons or loss of damage to property caused by defects in goods sold, supplied, erected, installed, repaired or manufactured by the insured.

See Also

About Enterprise Insurance Company Ghana

Enterprise Insurance Company Ghana Product and Service

Enterprise Insurance Company Ghana Contact Address

Other Top Insurance Companies in Ghana