Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to aviation insurance.
Aircraft hull and aircraft liability.
Aviation products liability.
Aircraft crew personal accident cover.
Group Personal Accident Insurance
Group Personal Accident Insurance is designed to provide financial protection to members of a group or organization in the event of accidental injuries or death. It offers coverage for medical expenses, disability benefits, and, in the unfortunate event of death, a lump sum payment to the beneficiaries.
Political Violence and Terrorism Insurance
Political Violence and Terrorism Insurance safeguards individuals and businesses against losses or damages resulting from acts of political violence, terrorism, or civil unrest. This coverage is essential for those operating in regions where such risks are prevalent.
Employer’s Liability Insurance
Employer’s Liability Insurance is crucial for businesses. It protects employers from legal liabilities associated with workplace injuries or illnesses. In cases where employees file claims, this insurance covers the costs of legal defense and compensation.
Motor Trade Insurance
Motor Trade Insurance is tailored for businesses in the automotive industry. It offers comprehensive coverage for vehicles, premises, and specific liability concerns associated with motor traders, such as car dealerships, mechanics, and auto repair shops.
Public and Product Liability Insurance
Public and Product Liability Insurance provides protection against claims from third parties for personal injury or property damage linked to your business operations or products. It helps ensure your business is financially shielded against potential lawsuits.
Glass Insurance is essential for businesses with extensive glass installations. It covers the costs of repair or replacement in the event of damage or breakage to glass windows, doors, or fixtures.
Fidelity Guarantee Insurance
Fidelity Guarantee Insurance safeguards businesses against financial losses resulting from fraudulent or dishonest acts committed by their employees. It helps maintain trust and integrity within an organization.
Theft and Burglary Insurance
Theft and Burglary Insurance offers coverage against losses resulting from theft, burglary, or robbery. This insurance not only covers stolen property but also damage to the premises caused during a break-in.
Hole in One Insurance
Hole in One Insurance is commonly used in golf tournaments and events. It provides coverage for the prize or reward offered to a participant who achieves a hole-in-one on a specific hole during the tournament. This insurance ensures that organizers can afford the promised prize without financial strain.
Private Motor Insurance
Phoenix of Swaziland’s Private Motor Insurance is designed to protect your personal vehicles. Whether you own a car or a motorcycle, this insurance provides coverage for a range of situations. It includes protection against accidents, theft, and damage to your vehicle. Additionally, it offers liability coverage, which safeguards you from potential financial losses due to third-party claims resulting from accidents or injuries. With Private Motor Insurance, you can drive with confidence, knowing that your vehicle and financial well-being are secure.
Your home is one of your most valuable assets, and Phoenix of Swaziland’s Home Insurance ensures that it remains protected. This comprehensive policy covers both your house and its contents. It offers security against a variety of risks, including fire, theft, natural disasters, and even liability for accidents that occur on your property. Home Insurance provides you with peace of mind, knowing that your home and cherished possessions are safeguarded against unexpected events.
Personal Accident Insurance
Accidents can happen when you least expect them, and that’s where Phoenix of Swaziland’s Personal Accident Insurance comes into play. This insurance product is designed to offer financial protection in the event of accidents that lead to injury, disability, or even death. It provides coverage for medical expenses, disability benefits, and a lump-sum payment to beneficiaries in the unfortunate event of a fatal accident. With Personal Accident Insurance, you and your loved ones can face the future with greater security.
Cell Phone Insurance
In our modern lives, cell phones are essential tools for communication and productivity. Phoenix of Swaziland’s Cell Phone Insurance ensures that you stay connected without worrying about the financial burden of replacing your mobile device in case of theft, loss, or damage. This insurance product covers the cost of repairing or replacing your phone, so you can continue to stay connected without disruption.
General/Personal Liability Insurance
General/Personal Liability Insurance offers coverage for personal liability. It protects you against claims made by third parties for bodily injury or property damage for which you may be held responsible. This insurance provides financial security, whether you’re at home or in public, ensuring that you are shielded from unexpected legal and financial consequences.
Pleasure Craft Insurance
For those who enjoy leisure activities on the water, Phoenix of Swaziland offers Pleasure Craft Insurance. This insurance is tailored for boat and watercraft owners, providing protection for your vessel against accidents, damage, and liability. Whether you’re cruising on the open water or enjoying water sports, Pleasure Craft Insurance keeps you covered and worry-free.
Engineering insurance can describe any of several types of insurance policies. The term “engineering insurance“ can describe any type of insurance policy related to the erection of buildings and construction projects, including the building and operation of machinery. Construction projects and engineering often involve the use of heavy machinery and equipment that can pose a threat to the health of workers; insurance can protect engineering businesses from having to pay for such injuries if they occur.
CONTRACTORS ALL RISK
The principle is that contractors’ all risks insurance covers those losses not covered by an ‘excluded peril’. For example some contracts exclude from cover risks such as defects due to ‘wear and tear, obsolescence, deterioration, rust and mildew, loss and damage arising out of war and for faulty workmanship and faulty design’. The benefit to the insured under this type of policy is that the burden is shifted to the insurer who, to resist the claim, is required to show that the cause of the loss falls within an exclusion.
MACHINERY & BUSINESS INTERRUPTION
To protect against unexpected breakdown or loss of equipment as well as the option to cover the financial implications to your business.
COMPUTER & ELECTRONIC EQUIPMENT
In this modern age all businesses rely on computer and electronic equipment. Should this be lost or damaged the consequences can have a huge impact and disrupt day to day operations..
Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination. Cargo insurance is a sub-branch of marine insurance, though Marine also includes Onshore and Offshore exposed property, (container terminals, ports, oil platforms, pipelines), Hull, Marine Casualty, and Marine Liability. When goods are transported by mail or courier, shipping insurance is used instead.
Insurance that is used to cover damage to a property caused by fire. Fire insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, and may also cover damage to nearby structures, personal property and expenses associated with not being able to live in or use the property if it is damaged. Fire & Allied Insurance covers your property against fire and other similar perils such as Lightning, Explosion, Aircraft damage, Impact Damage, Earthquake, Storm, Tempest, Flood, Bursting and overflowing of water tanks apparatus or pipes, Riot/strikes/civil commotion, Malicious damage, impact of vehicles, and burglary.
Building combined insurance is tailored for businesses that own or lease commercial properties. It encompasses various coverages, including property damage, liability, and business interruption. This comprehensive policy ensures that your business premises are adequately protected.
Office contents insurance is vital for businesses of all sizes. It covers equipment, furniture, and valuable assets within your office space. In case of theft, damage, or other unforeseen events, this insurance ensures that your business can quickly recover without significant financial setbacks.
Business interruption (BI) risks can be physical, such as fire or storms, or virtual, such as an IT outage, which can occur through malicious or accidental means. They can stem from their own operations but also from a company’s suppliers, customers or service providers.Whatever the trigger, the financial loss for companies if they are unable to provide products and services – or customers stay away – can be enormous. New risk management solutions and analytical tools can help to better understand and mitigate the modern myriad of business interruption risks and prevent losses before they occur.
Domestic insurance, often referred to as homeowners or renters insurance, is a must-have for individuals. It protects your personal property, including your home and its contents. Whether you’re a homeowner or a renter, domestic insurance provides peace of mind against unexpected losses.
Motor insurance, also known as auto insurance or car insurance, is a type of insurance policy designed to provide financial protection to individuals and businesses against losses or damages resulting from accidents involving motor vehicles. These vehicles can include cars, motorcycles, trucks, and other types of road vehicles.