This document outlines 17 different types of group insurance policies offered by Britam including: burglary, all risks, employer's liability, bonds, carrier's liability, group personal accidents, trustee's liability, glass, money, consequential loss, professional indemnity, political violence and terrorism, machinery breakdown, director's and officer's liability, contractor's plant and machinery, and industrial all risks insurance. These policies provide coverage for damages, liability, loss of profits, and replacement of items for individuals and businesses.

1. GENERAL GROUP INSURANCE
When buying assets, it is never in the plan for them to get damaged or destroyed.
Accidents are occurrences that do not discriminate and can happen to anyone at any
time. When this happens, the owner is left with a huge burden of paying for the
damages or meeting the cost of replacing the destroyed item. Britam has a variety of
products that will ease the financial burden off the owner in case of damages and will
aid to restore the individual to the position they were in before disaster struck.
1. BURGLARY
This policy covers loss or damage to property arising from forcible or violent
entry and/or exit from the insured premises. On payment of an additional
premium the policy cover:
 Riot and strike
 Civil commotion
 Hold-up risks
2. ALL RISKS
This policy provides cover for loss of or damage to the property insured caused
by Fire, Theft or any Accidental means not excluded under the Policy.
It is best suited for portable items like laptops, personal computers,
videos, baggage , cameras and other fragile electronic and / or personal items.
The policy specifies the geographical area acceptable within cover due to the
mobile nature of these items.
3. EMPLOYER’S LIABILITY
This policy provides cover to employers for legal liability upon death of or bodily
injury to or illness of an employee. These death or Injuries may arise during and
in the course of employment and result in a claim or claims first being made
against the insured during the period of insurance for perceived negligence on
the employer’s part.
Cover is usually arranged on the basis of the employee’s earnings.
BENEFITS OF EMPLOYER’S LIABILITY

2. This policy covers the employer against;
 Damages and claimant’s costs and expenses of lawsuits filed by an
employee.
It is the only recourse for an employer when sued for more compensation over
and above what WIBA (Act) or a Group Personal Accident policies cover for a
work related injury or accident.
4. BONDS
This is a product where Britam undertakes to act as the guarantor to the insured
to pay a defined amount of money should the person/party guaranteed fail to
pay or meet the terms and conditions of a contract with the third party.
The bonds may include:
a) Immigrations/Security Bonds.
b) Performance /Contractor’s Bonds.
c) Tender /bid bonds.
d) Financial Guarantee Bonds.
e) Customs Bonds.
5. CARRIERS LIABILITY
This policy covers the insured for legal liability for accidental loss of or damage to
goods in the custody or control of the insured whilst in transit by road, rail or
any other specified means, occurring during the period of insurance and within
the territorial limits specified in the schedule.
6. GROUP PERSONAL ACCIDENTS
The Personal accident cover provides compensation to the insured for physical
and visible body injury caused in an accident. It goes on further to cover
individuals if the injury as a sole cause results in death or disablement.
This policy provides employees with protection against accidents while on the job
and also protects the families of employees.
It is best suited for Corporates and institutions.
7. TRUSTEES LIABILITY

3. The trustee liability insurance provides protection for the trustees, the
employees, the employer company and the scheme itself in event of claims
brought against them. The policy provides cover for settlement on legal action
and for the costs of defending the action.
8. GLASS POLICY
This cover provides compensation for breakage fixed glass (plate glass) at the
premises of the insured caused by accident or misfortune of accidental character.
These perils include;
 Fire
 Malicious damage
 Riot & Strike
 Impact by vehicles, animals e. t. c
9. MONEY
The Money policy covers any of the following circumstances:
 Loss of money at your premises during business hours, or in specified
safes or strong rooms.
 Loss of money in transit.
 Loss of money in the custody of an authorized employee.
 Loss of, or damage to safes or strong rooms insured in the process of a
theft or an attempt threat.
10. CONSEQUENTIAL LOSS
This policy is also called a Loss of Profit policy or business interruption policy. It
offers compensation for profits lost as a result of damage to insured property
following a fire. The compensation is for the Gross profits lost and for wages paid
out during the period when the business is interrupted.
11. PROFESSIONAL INDEMNITY
This policy protects professionals from legal liability that may arise due to acts of
negligence, error or omission in the rendering of or failure to render professional
services for others in the insured’s capacity as a professional.
Cover is available for, among others;

4.  Lawyers
 Trustees (Liability)
 Medical (general practitioners, nurses, dentists, physiotherapists)
12. POLITICAL VIOLENCE & TERRORISM
This policy covers damage and injuries occasioned by acts of terrorism,
sabotage, mutiny, rebellion, insurrection and coup d’états (excluding war and
civil war), strike, riot and civil commotion which are excluded from standard
insurance policies.
13. MACHINERY BREAKDOWN
This policy protects the machinery (such as factory production machinery,
workshop machinery, generators, industrial lathes, drills, compressors e t c ) of
the insured against any unforeseen and sudden physical loss of or damage.
The cover gives compensation in the form of cost of repairing or replacing
indemnifiable breakdown or losses to machinery.
Benefits of Machinery Breakdown
 Pays for the costs of defending any action brought against the insured in
their professional capacity.
 Pays for awards arising out of court judgments, defense costs, loss of
documents, fees and expenses.
14. DIRECTOR’S AND OFFICER’S LIABILITY
This policy provides cover to past and future Directors and Officers for losses
arising out of a claim made against him for which he has not been indemnified
by the corporation he is serving.
15. CONTRACTOR’S PLANT AND MACHINERY
This policy covers the contractor for loss or damage to contract works,
contractor’s plant & machinery and material on site that may occur during the
course of construction of buildings, roads, bridges, dams, and other like
infrastructure including any liabilities to third parties that may arise there.

5. In addition, the policy will extend to cover the contractor’s liability to members of
the public (third parties), for death, injuries or damage to their property arising
out of the contractor’s negligence.
Benefits of Contractor’s Plant and Machinery Cover
 The scope of cover will include fire, burglary, floods, earthquake and
unforeseen and accidental damage to the property insured.
 A further arrangement caters for the removal of any debris from a site
after such damage/destruction.
16. INDUSTRIAL ALL RISKS
This is an insurance package that provides indemnity the property insured
against any loss or damage from any cause not excluded by the policy.
Such perils include; Fire & Allied Perils, Burglary, Accidental damage and
Business Interruption.
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