Hollard Ghana Specialist Business Insurance
From engineering insurance to marine & cargo, we’ll cover you for a wide range of unique industry risks.
Marine and Cargo Insurance
Cover the value of any cargo you’re transporting via sea, land or aire
If your business transports cargo to make a living, then you’ll be subjected to a number of risks that are out of your control. Bad weather, breakdowns, strikes and other events during transportation can seriously impact your bottom line.
Our marine and cargo insurance covers you against maritime perils, whether you’re looking for all risks cover or cover just for selected perils. You can also be covered against war or strikes under specific clauses.
We cover you from warehouse to warehouse, so if a vehicle collides or overturns while it is travelling via land, you’ll be covered under this policy. No matter what you’re transporting in order to turn a profit, our marine and cargo insurance will ensure that the value of your goods are always protected, no matter what happens.
Get covered for any engineering risks, from delayed work to bodily injury to machinery breakdown.
Construction and contract works are complicated and as an engineering company, you’re exposed to varying forms of risks at every stage of these processes. These risks, if not accurately evaluated and catered for, could result in huge losses that can have huge negative consequences to your business.
At Hollard Ghana, our specialist underwriters, risk engineers and claims adjusters all understand the unique challenges of this industry, and we’ve designed our engineering insurance policies in accordance with their experience and knowledge.
Choose from our specially designed engineering products:
1. Contractors’ All Risk (CAR):
Our CAR policy offers comprehensive protection against loss or damage relating to the contract works, construction plant, equipment and machinery. It also covers third-party claims regarding property damage or bodily injury that have occurred because of a construction project.
2. Erection All Risks (EAR):
Our EAR policy offers protection against all the risks involved in the erection of machinery, plant and steel structures of any kind. It also covers any third-party claims linked to property damage or bodily injury that have arisen in connection with the execution of an erection project.
3. Contractors’ plant and machinery (CPM):
CPM insurance covers all plants or machinery that provide a service only when moving and under the control of an operator.
4. Machinery breakdown:
This policy provides insurance cover for plant, machinery and mechanical equipment at work, at rest or during maintenance operations. This policy is taken out annually and covers all types of machinery, plant, mechanical equipment and apparatus.
5. Electronic equipment (EEI):
Electrical and electronic systems are expensive to replace – but they’re also a vital part of most businesses. Under the EEI policy, every hazard is covered even if it’s not specifically excluded, meaning that almost any sudden and unforeseen losses that affect the electronic equipment or systems are also covered.
Our EEI insurance applies whether the insured items are in use or at rest. It also covers them if they’re being dismantled for cleaning, overhauled or moved within the premises.
Business Travel Insurance
Protect your employees when they’re travelling for work outside of Ghana
If your employees travel regularly for business, a comprehensive travel insurance package is essential in order to protect them should something go wrong on their trip.
Provided in partnership with Mapfre Asistencia of Spain, our Business Travel Insurance Plus is an international policy that covers any risks your employees face when travelling outside of Ghana. As part of the policy, they’ll get access to one of the largest global medical assistance networks in the world so that if they need medical help while they’re away, they’ll be well taken care of.
Hollard’s Business Travel Insurance Plus pays out up to a maximum of EUR 30 000, for the following benefits:
- Medical expenses and hospitalisation abroad
- Transport or repatriation in case of illness or accident
- Emergency dental care
- Repatriation of family member travelling with the insured
- Travel of one immediate family member
- Repatriation of mortal remains
- Emergency return home following the death of a close family member
- Delivery of medicines
- Relay of urgent messages
- Advance of funds
- Legal defence
- Loss of passport, driving license or national identity card abroad
- Compensation for delay in the arrival of luggage
- Location and forwarding of baggage and personal effects
- Delayed departure
Hole In One
Cover large costs associated with sponsoring golf tournaments
Sponsoring golf tournaments is a great way to reach potential new customers and get some brand exposure. And while giving away large prizes if entrants score a hole-in-one is an exciting way to market your company, it can also be very expensive.
Hole-in-one insurance is one way of covering these costs. By making a once-off payment for specific tournaments, your business will be paid-out should someone happen to score a hole-in-one. Specifically, Hollard Ghana will reimburse your business with the amount of the award granted to the participant who makes the first hole-in-one on the insured hole/s in any insured tournament.