SUMMARY OF SOME MUTUAL BENEFITS NON-LIFE INSURANCE INSURANCE POLICIES

1.  FIRE & SPECIAL PERIL
 BURGLARY
 GROUP PERSONAL ACCIDENT
 MOTOR INSURANCE
 PUBLIC LIABILITY
 HOUSE OWNER/HOUSEHOLDERS COMPREHENSIVE
 FIDELITY GUARANTY

2.  This plan ensures protection of fixed assets
such as buildings and contents against physical
loss or damage by fire and allied perils like
explosion, lightning, impact, earthquake, flood,
storm, and tempest, riot, strike and civil
commotion. Items like office contents, furniture
and accessories are also covered.
 A long Term Agreement discount is available
plus discount on installation and adequate
maintenance of fire equipment

3.  This covers residential and office premises
against losses or damages by theft arising out
of forcible and violent entry into or exit from
the insured premises or damage from
attempted theft.
 A long term agreement discount is available.
 A First Loss Discount of up to 20% is also
available.

4.  This provides benefits for bodily injury
resulting from accident caused by violent and
visible outward means resulting into death and
partial or permanent disablement of employees
in an organisation.
 This cover is on 24hour basis and world wide.
 Benefits include compensation for death,
temporary and permanent disability and also
covers medical expenses.
 Discounts is also available based on the
number of lives insured.

5.  This covers indemnity for loss or damage to
vehicles arising from accidental collision,
overturning, fire, theft and third party liability
for death or bodily injury.
 The premiums are rated based on the values
and usage.
 Discounts apply based on number of vehicles,
claim experience and relationship with the
client

6.  This insurance protects against liability to pay
claims for costs of accidental injury to
persons(members of the public) and damage to
third party property in connection with the
insured’s business.

7.  This is a household comprehensive Insurance
cover that protects private dwelling houses and/or
the contents/personal effects of individuals or
employees of an organisation. This provides for
losses from Fire and Allied Peril, Burglary, Theft/
Third Party Liability, and Loss of Rent/Cost of
alternative accommodation in event of fire.
 It is conventional to cover the staff quarters and
other houses occupied by employees of a
organisation.
 A long term discount is allowed.

8.  The objective of this policy is to compensate for
losses arising from the disloyalty of staff
handling cash(money), and/or stock in an
organisation e.g. embezzlement,
misappropriation, etc. This could be arranged
either on blanket basis, position basis or named
basis.
 This attracts a premium based on the limit per
defalcation.

9.  CLEMENT OKUNDAYE, ACA,CISA,ACTI,ACS
 08039286522
 EMAIL: hillcrestpro@gmail.com