PACIS Insurance Company Ltd

Call us on 0730 677000

Institutional Products PDF Print E-mail

Schools Comprehensive

This Policy has been customized to better suite the needs of an educational institution. It also combines the various individual Policies. The various sections include:-

  • Section A - Fire and Perils: Covers buildings (1st construction) and contents against Fire, Explosion, Lightening, Earthquake, Riot and Strike, malicious damage, storm, flood, burst pipes and impact.
  • Section B - Burglary: Covers loss or damage to school contents resulting from theft accompanied by visible forcible and violent entry or exit or any attempted threat including damage to the building.
  • Section C - All Risks: Covers against accidental loss or damage within or out of the premises, to items specified in the schedule.
  • Section D - Glass: Covers against accidental breakage of fixed glass windows or doors or misfortune of fortuitous nature.
  • Section E - Legal Liability to the Public: Covers the insured's legal liability to pay compensation to third parties for bodily injury or damage to property arising from the insured's business as stated in the schedule.
  • Section F - Loss of Money: Covers loss of money in direct or on premises including damage to sales or strong room caused by theft or any attempted threat.
  • Section G - Fidelity Guarantee: Covers against loss of money and /or stock by fraud or dishonesty of the insured employees.
  • Section H - Pedal Cycle: Covers the pedal cycle against fire, burglary, house breaking or theft, accidental damage or malicious means including third party liability.
  • Section I - Work Injury Benefits: Covers the organizations employees according to the Work Injury Benefits Act of 2007 and has benefits such as death, permanent total disablement, temporary disablement, medical expenses and funeral expenses.

Religious Comprehensive

This policy target religious organizations and communities who have unique needs and challenges when it comes to risk management and insurance. The cover allows religious organizations and communities to customize the cover from a core group of ten policies. These groups include:-

  • Section A - Fire and Perils: Covers buildings (1st construction) and contents against Fire, Explosion, Lightening, Earthquake, Riot and Strike, malicious damage, storm, flood, burst pipes and impact.
  • Section B - Burglary: Covers loss or damage to school contents resulting from theft accompanied by visible forcible and violent entry or exit or any attempted threat including damage to the building.
  • Section C - All Risks: Covers against accidental loss or damage within or out of the premises, to items specified in the schedule.
  • Section D - Public Liability: Covers the insured's liability to the public. It provides compensation to third parties for bodily injury or damage to property arising from the insured's business as stated in the schedule.
  • Section E - Loss of Money: Covers loss of money in direct or on premises including damage to sales or strong room caused by theft or any attempted threat.
  • Section F - Work Injury Benefits: Covers the organizations employees according to the Work Injury Benefits Act of 2007 and has benefits such as death, permanent total disablement, temporary disablement, medical expenses and funeral expenses.
  • Section G - Group Personal Accident: Covers against the event of bodily injury caused by violent, accidental, external and visible meas where injury shall solely and independently of any other cause result in death or disablement.
  • Section H - Plate Glass: Covers against accidental breakage of fixed glass windows or doors or misfortune of fortuitous nature.
  • Section I - Fidelity Guarantee: Covers against loss of money and /or stock by fraud or dishonesty of the insured employees.

All Risks

This is the widest form of cover available for property. It covers accidental loss, damage or destruction from any cause, including fire, which is not specifically excluded. It is a requirement for this cover that each item is specifically identified and is allocated a separate sum insured. For items that can be identified by make, model and serial numbers, these must be given as they are important when claims occur.

Public Liability

Public Liability Insurance provides an indemnity in respect of legal liability arising in connection with the insured's business to pay damages as a result of accidental bodily injury or accidental loss of or damage to property of the members of the public. Claims may arise as a result of negligence either on the premises or whilst working away from the premises.

Computer Insurance

This policy covers accidental damage including mechanical and electrical breakdown of computers, installation and peripheral equipment. The sum insured should represent the new replacement value of the computer installation, including the cost of freight, installation and custom dues.

 

 

 

 

 

 

 

 

 
  • Twitter
  • Windows Live
  • Facebook
  • StumbleUpon
  • Yahoo! Bookmarks