Life & people
4
Life & Health
Cover for individuals, families and staff, from medical schemes through to keyman protection.
Accident & Miscellaneous
Cover for injury to people and for losses caused by the dishonesty of those you employ.
- Covers
- 4
- Typically for
- Employers of any size, and anyone handling cash or stock.
In practice
This class collects the covers that protect people rather than premises, and the one cover that protects you from your own staff. Fidelity guarantee is the outlier and the one worth understanding: ordinary theft cover excludes losses caused by employees, so without it, the person with keys and access is the one exposure you have not insured.
What it covers
4 covers
- Miscellaneous Accident
- A group of smaller accident covers written together — goods in transit, plate glass, employer's liability and similar exposures.
- Personal Accident
- A lump sum or weekly benefit if an insured person is killed or disabled by accidental injury.
- Group Personal Accident
- The same benefits arranged for a whole workforce under one policy, usually as a staff benefit.
- Fidelity Guarantee
- Covers money or stock lost through the dishonesty of your own employees.
Cover names are those used in the Zambian market; the exact scope of any policy depends on its wording and endorsements. We will set out what a quotation does and does not include before you bind it.
Get in touch
Ask about accident & miscellaneous
Tell us what you need to cover and a broker will come back with options from the licensed market. There is no charge for a quotation.
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Cover for claims brought against you by third parties, including claims arising from professional advice.