Veritas General Insurance Plc

Although unplanned, accidents are a reality. The sudden loss of income for you and your family due to unfortunate circumstances can have a devastating effect. However, with accident insurance, you have the ability to make sure that your family can cope without your income. Veritas General Insurance Plc accident insurance plan offers you the financial stability that becomes essential in such cases. Veritas General Insurance Plc's individual personal accident policy covers accidental bodily injury/death caused solely through external violent and visible means to individuals (whether employed or not), temporary total disability as well as permanent disability cover.

Employers' liability

Veritas General Insurance Plc offers you this policy to protect you from legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out of the course of his or her employment.

Other liability related to employees and the public

The policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from: accidental death of or bodily injury due to illness or disease contracted by and accidental loss of or damage to property belonging to members of the public, arising anywhere in connection with the business.

Fidelity guarantee

This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee(s) which results in dishonest personal financial gain for the employee(s) concerned.

Group personal accident

This policy covers accidental bodily injury or death to the employees of the insured caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.

Individual personal accident

This policy covers accidental bodily injury or death caused solely through external violent and visible means to individuals (whether employed or not).

Medical malpractice

This policy covers the insured against legal liability to pay compensatory damages (including claimant's costs and defence costs) for bodily or mental injury, illness, disease or death of any patient caused or alleged to be caused by malpractice arising out of the business or profession.

Agriculture insurance protects you from losses and minimises the impact they have on your farm and your finances.

Crop insurance

This policy covers loss or damage due to fire, lightning, storm, malicious damage, transit and theft of harvested crop whilst stored in a silo or building. Veritas General Insurance Plc currently offers the following covers:

• Crop comprehensive – covering hail, fire and lightning, explosion, riot and strike and malicious damage
• Fire and lightning only – the following crops can be insured: maize, wheat, tobacco, soya beans

Livestock insurance

This covers death of animals in respect of accidents, illnesses or diseases and epidemics. Policies can be extended to cover theft, calving risks etc. The cover is suitable for animals such as cattle, sheep, pigs, horses and policy.

Agripak

This is a full package which provides cover for the following:

• Livestock
• Farm building
• Plant and equipment
• Household goods
• Motor
• Money
• Goods in transit and liabilities

Goods in transit Veritas General Insurance Plc offers this annual policy that covers goods whilst in transit within Zambia against:

• Loss or damage during actual transit and during loading and unloading of goods caused directly by fire, collision and overturning
• Theft or attempted theft from conveying vehicle
• Cost of debris removal
• Riot and strike (non political) at additional cost

Single inland transit

This is a single transit cover of goods within Zambia, which is terminated immediately goods are unloaded from the conveying vehicle. Cover is against losses and damage to the goods from causes not specifically excluded on the policy.

Marine open cover

This provides automatic cover for regular shipments to and from abroad (whether travelling by land, sea or air) on declaration basis. Cover is against losses and damage to the goods from causes not specifically excluded on the policy.

Marine specific

This policy is suitable for clients whose imports are irregular and it covers losses and damages to the goods from causes not specifically excluded on the policy (whether travelling by land, sea or air).

Veritas General Insurance Plc assumes the risk of any loss that your car or property may incur and offers a wide array of policies to cover you.

Commercial vehicle comprehensive insurance policy

Veritas General Insurance Plc offers a comprehensive insurance policy that covers:

• Accidental or fire damage to your motor vehicle to be repaired
• Loss of vehicle or spare parts or accessories
• Protection and removal after accident
• Third party liabilities (damage to property, death or injury)
• Riot and strike cover (non political)
• Medical expenses cover up to as stated limit (private cars only)
• Personal accident cover for insured and spouse up to stated limit (private cars only)
• Authority to repair damage to vehicle up to a stated limited

Commercial vehicle executive insurance policy

This policy is designed specifically for professionals, top executives, officers or diplomats and provides comprehensive cover at a favourable rate.

Commercial vehicle full third party fire and theft insurance policy

This covers against:

• Loss or damage caused by fire, lightning, explosion, theft or attempted theft
• Third party liabilities (property, death and or injury)

Commercial vehicle third party insurance policy

Provides cover against third party liabilities (property, death or injury) only.

Motor traders internal and external policy

These policies cover motor vehicles, which are in custody or care of motor traders against:

• Accidental or fire damage to the vehicle
• Liability to third parties
• Theft

Property insurance burglary policy

This policy covers loss or damage to property contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of the theft or any attempt threat up to state limits.

Property insurance all risks policy

This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.

Property insurance money policy

This policy covers loss of money belonging to the insured whilst such money is in transit or on the insured's business premises. This policy may cover:

• Loss of damage to safes or strong rooms used for the storage of money resulting from theft or any attempt
• Loss of money arising from a hold up, robbery or any attempt there at

Professional indemnity Policy

This policy indemnifies the insured against legal liability for damages and claimant's costs and expenses in respect of claims for breach of professional duty.

• First made against you by reason of any neglect, omission or error occurring or committed in good faith and in connection with the conduct of the practice

Property insurance glass policy

This policy covers loss of or damage to glass situated at the insured's premises.

Property insurance fire and allied perils policy

This policy provides cover against loss or damage to property by:

• Fire, lightning and explosion
• Earthquake
• Storm, tempest, flood
• Aircraft or dropping aerial devices
• Bursting or over flowing water tanks, apparatus or pipes
• Malicious damage
• Riot and strike (non political)
• Explosion (limited)
• Spontaneous combustion

Directors' and officers' liability policy

This policy covers the insured against legal liability for loss or damage resulting from any wrongful act of the insured staff in their capacity as director, officer or employee of the company except as specifically excluded.

Customer protection policy

This policy covers hire purchase companies for goods which are the subject matter of a hire purchase agreement against loss or damage by accident or incident arising from fortuitous circumstances not specifically excluded

Fire business interruptions Policy

This policy provides cover against loss of profit due to reduction in turnover and increase in cost of working arising from an interruption of or interference with the business carried on by the insured at the premises following loss, destruction or damage covered under the fire policy (material damage) to the property used by the insured.

Comprehensive office policy

Provides cover as in fire and allied perils plus:

• Theft, excluding theft of personal effects of the insured or his employees
• Accidental damage and loss or damage to office equipment and machinery whilst away from usual premises
• Loss of documents cover can also be included

Electronic equipment all risks policy

Provides cover for computer equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded on the policy.

Contractors' all risks policy

This policy provides cover for all civil engineering works against

• Fire, lightning and explosion
• Water damage and wind storm
• Earthquake
• Burglary and theft accompanied by violent and visible means of entry or exit (theft by employee not included)
• Accidental damage and impact
• Third party liability risks if required

Plant all risks policy

Provides cover to plant against any unforeseen and sudden physical loss or damage from any cause not specifically excluded.

Erection all risks policy

Provides cover to individual machines, complete manufacturing complexes and steel structures which are being erected, against unforeseen and sudden physical loss or damage resulting from:

• Fire and lightning
• Water damage and wind storm
• Burglary
• Impact
• Electrical and mechanical breakdown
• Accidental damage and faults in erection

Machinery breakdown policy

Covers any sudden and unforeseen physical loss or damage other than fire damage to machinery whilst in the premises, whether they are at work or at rest from causes not specifically excluded.

Loss of profits policy (following machinery breakdown)

Provides cover to the insured (client) against financial loss following a claim under machinery breakdown. The coverage is centred on the reduction in turnover resulting from decreased production or other impairment of business operations caused by an accident to machinery.

Boiler and pressure vessel policy

This policy covers against:

• Damage other than by fire to any boiler or pressure vessel and to other property of the insured
• Damage to property not belonging to the insured
• Fatal or non fatal injuries to any person other than the insured's own employees

Deterioration policy

This provides cover against loss or damage to stock caused by deterioration due to any unforeseen and sudden physical loss of or damage to machinery and indemnifiable under machinery breakdown policy in force or due to failure of the public power supply resulting in a rise or a drop in temperature or sudden and unforeseen escaping of refrigerant in the cold storage facilities.

Terrorism and sabotage policy

This policy covers against loss or damage to property resulting from: Terrorism, sabotage, mutiny, insurrection, rebellion, coups d'etat, strike, riot or civil commotion and any ensuing fire damage from looting, other damages caused by an act of lawfully constituted authority for the purpose of suppressing or minimising the consequences of any of these incidents.

Comprehensive motor insurance policy

This policy provides cover for both your car and other people's vehicles and property. The company also provides a range of flexible options such as no claim bonus protection and restricted driver so that you can get the cover you want. This policy covers you against:

• Accidental or fire damage to your motor vehicle to be repaired
• Loss of vehicle spare parts or accessories
• Protection and removal after accident
• Third party liabilities (damage to property, death or injury)
• Riot and strike cover (non political)
• Medical expenses cover up to as stated limit (private cars only)
• Personal accident cover for insured and spouse up to stated limit (private cars only)
• Authority to repair damage to vehicle up to a stated limited

Full third party fire and theft motor insurance policy

This policy safeguards any other parties involved in an incident. The policy covers you against loss or damage caused by fire, lightning, explosion, theft or attempted theft. The policy also covers you against third party liabilities (property, death and or injury).

Third party motor insurance policy As a minimum statutory requirement, motor third-party insurance covers you against third party liability (property, death and or injury) only.

House owners personal property insurance policy The policy provides cover for residential buildings. This is similar to fire and allied perils but in addition covers:

• House break – in or any attempted threat
• Theft or any attempted threat of landlord's fixtures and fittings
• Loss of rent

Householders personal property insurance policy

Provides cover for household contents. Cover is provided as in fire and allied perils plus:

• Theft accompanied by violent and forcible entry into or exit from a building
• Accidental damage and loss to contents and effects whilst temporarily away from premises can be covered at an additional premium

Electronic equipment all risks insurance policy

This policy gives you cover for your valuable items such as laptops, desktops printers and diagnostic equipment. Veritas General Insurance Plc offers you comprehensive coverage against unforeseen and sudden physical loss or damage to the electronic equipment that occurs owing to perils other than those specifically excluded under the policy.