This policy covers Insured property (buildings and Contents) against loss or damage caused by Fire and/or lightning. The insurance policy can be extended to include coverage against the following risks :

• Explosion.
• Impact due to collision of vehicles of others.
• Falling aircraft and/or other objects from the sky, and/or relevant debris.
• Riots, strikes and malicious damage.
• Loose automatic water sprinklers.
• Storms, cyclones, floods and/or water damage.
• Loss of profit and fixed expenses (collateral loss extension).
• Legal liability toward neighbors and landlords.
• Loss of Rent.

This policy is designed to provide extended insurance coverage to residences (Owned or rented, a house or an apartment) against many risks as listed :

• Fire and Lightning.
• Explosion of gas cylinders and pipes or boilers used for domestic purposes.
• Falling aircraft and/or other objects from the sky and/or relevant debris.
• Sandstorms, hurricanes and flash floods.
• Bursting of fresh water pipes and/or overflowing of water tanks.
• Crash of vehicle not belonging to or under the custody or possession of the insured or any of their family members or those residing with the insured.
• Breakage of glass or mirror fixed in the house, tubs, sinks, antennas and TV receivers.
• Theft and armed robbery, break in, forced entry to property by breaking and entering, climbing or drilling.
• Loss of Rent: The Company will indemnify the insured for the cost of rent or hotel expenses as long as it is within the rent allowance for similar residence in case of fire accident.
• Third Party Liability towards the landlord: The Company will indemnify the insured for the court ruling against them as a result of their responsibility towards the landlord for any loss or damage occurring during the period of insurance.
• Third Party Liability: The Company will indemnify the insured for any court ruling against them as result of their responsibility towards third parties for the accidents occurring during the period of insurance, which have resulted in death or injury or property damage.

This insurance policy covers the Contract Works undertaken by a contractor against any unforeseen accidental physical loss during project execution and maintenance period.

Main Coverage:

• Contract works- permanent and temporary works, including all materials to be used in the project execution.
• Construction Plant, Machinery and Equipment used in the project execution in terms of replacement value.
• Existing and surrounding property.
• Cost of Removal of Debris following a loss.
• Legal liability toward third parties in respect of property damage or bodily injuries arising from an accident where the contractor is held legally liable for.

Required information :
A specific proposal form has to be filled out.

The final scope of cover will be as detailed in the Quotation submitted and will be subject to the extensions, conditions and policy wording agreed.

This policy is designed to insure all types of erection projects against risks related to project execution, including Cold and Hot Testing and maintenance period.

Main Coverage:

• Erection works - inclusive of all items to be erected and the cost of erection, Freight, Customs Duties and Dues.
• Civil Engineering Work.
• Cost of Removal of Debris following a loss.
• Existing and surrounding property.
• Construction Plant, Machinery and Equipment used in the project execution in terms of replacement value.
• Legal liability toward third parties in respect of property damage or bodily injuries arising from an accident where the contractor is held legally liable for.

Required information :
A specific proposal form has to be filled out.

The final scope of cover will be as detailed in the Quotation submitted and will be subject to the extensions, conditions and policy wording agreed.

This policy is tailored to indemnify the insured for physical loss or damage to the insured plant and machinery against unforeseen accidental physical loss or damage while the Plant and Machinery are :

• In operation or rest.
• Being dismantled for the purpose of maintenance or overhauling.
• During an automatic operation.
• During re-assembly.

Required information :

• Description of each item to be covered.
• New Replacement Value of each item.
• Make Model, Manufacturer, and Year of Manufacture.
• Engine Number/Serial Number etc.
• Details of the project for which these items are intended to be used.
• Period of Insurance required/Project Period.

The final scope of the cover will be as detailed in the submitted Quotation and will be subject to the extensions, conditions and policy wording agreed.

This policy will compensate the Insured in relation to material damage to items specified in the Policy whether they are at work or rest, or being dismantled for the purpose of cleaning, or maintenance, or overhauling, or in the course of the aforesaid operating automatically, or when being moved between sites, or during subsequent re- assembly.

The sum insured should be equal to the new replacement value of the insured machinery.

INSURED RISKS :

Any unforeseen and sudden physical loss or damage or breakdown of the machinery due to defects in casting and material, faulty design, faults at a workshop or in erection, bad workmanship, lack of skill, carelessness, shortage of water in boilers, physical explosion, tearing apart on account of centrifugal forces, short circuit, storm or from any other cause not specifically excluded in the policy.

Required information :
A specific proposal form has to be filled out.

This policy covers the loss of profit (financial loss) incurred by a firm/establishment following the breakdown of machinery insured under the machinery breakdown policy.

Required information :
A specific proposal form has to be filled out.

This policy provides a comprehensive insurance coverage against accidental loss or damage to electronic equipment (material damage) such as computers, network servers, telephone networks, medical equipment. Compensation is on the new replacement value basis. Equipment are covered while :

• In operation or rest.
• Being dismantled for the purpose of cleaning or maintenance, or overhauling.
• During re-assembly.
• The cover can be extended to include :
   1 -  External Data Storing Systems - restoration of insured data storage and retrieval systems needed to continue operations.
   2 -  Increased Operation Cost.

Required information :
A specific proposal form has to be filled out.

This policy will compensate any loss or damage to perishable goods (e.g. food items such as fish, shrimp, meat etc.) kept in cold storage, which deteriorate due to any unforeseen and sudden physical loss or damage to the machinery (cold stores) specified in the list of machinery and which can be indemnified under the machinery breakdown policy in force. Therefore the precondition to obtain this insurance is that the cold storage facility in which the perishable goods are to be kept should be insured under a Machinery Breakdown Policy and the cause of damage is covered under the Machinery Breakdown policy.

Required information :
A specific proposal form has to be duly completed and returned.

This policy indemnifies the insured against Legal Liability for which the insured is obliged to pay financial compensation to third parties as a result of bodily injuries and/or material damage directly attributed to the insured business activities.

This policy is designed to protect Professionals (Architects, Civil Engineers, Accountants, Lawyers, etc.) against legal liability as a direct result of breach of professional duty due to any negligent act, error or omission committed by the insured or their employees during the performance of their professional duty.

Required information :
A specific proposal form has to be filled out.

This policy indemnifies the Insured against any sums for which he becomes legally liable due to the following :

• Use of a particular product manufactured or marketed by the Insured which causes accidental bodily injury (including death, illness or disease) to any person.
• Failure of products to perform the function for which they were manufactured, designed, sold, supplied or installed.

Required information :
A specific proposal form has to be filled out.

This insurance policy covers loss of money incurred in connection with an act of burglary, theft, physical damage of safe whilst in :

• Transit.
• The insured premises during working hours (for use).
• In safes, or in vaults or secured rooms and in cash registers.

Money defined as Cash Bank notes, Currency Notes or Coins, Cheques, and payment requests.
Required information :

• Maximum limit required to be covered in respect of any one transit.
• Route and frequency of transit (daily/weekly or monthly etc.)
• Total estimated annual transit.
• Limit in respect to money kept in safe.
• Iron Safe Specifications (make, model, lock type, color, height, weight, width and breadth).

This insurance policy indemnifies the insured for financial losses sustained by acts of Forgery, Embezzlement, Larceny and/or Fraudulent conversion committed by the insured's entrusted named employees (as named in the policy schedule), entrusted with money and/or property.

Required information :

• Names of employees and their designation.
• Limit required to be covered in respect of each employee.

This policy indemnifies the insured for accidental breakage of the insured glass plates (breakage of glass due to any cause other than those excluded in the policy) specified in the policy schedule, either by replacing or paying the market value for the broken glass up to the sum insured value specified in the policy schedule less any salvage.

This policy covers the accidental breakage of glass by replacing or paying the market value for the broken glass up to the sum insured value specified in the policy.

This policy will indemnify the insured against the loss of or damage to the property insured arising from burglary or housebreaking. Cover is limited to burglary following forcible or violent entry to or exit from the designated premises.

A 24 hours worldwide insurance protection policy designed to indemnify the insured against accidents causing the insured’s Death, or Permanent total or partial disability, or Temporary total and partial disability.

Compensation will be payable to the Assured or to his legal representative in accordance with the sum insured and the scale of compensation agreed and specified in the policy schedule.

This policy covers the insured's employees and laborers against accidental bodily injury, disability or death whilst on duty and/or engaged in the execution of any project undertaken by the insured in accordance with the provisions of the current Kuwait Labor Law.

The cover includes commuting time from place of residence to place of work and/or vice versa.

The above cover can be extended to include the following :

• Employer’s liability up to a certain limit of indemnity.
• Working on Fridays, Public holidays and Overtime (Insured has to provide details of such wages).
• Medical Expenses.

Required information :

• The nature of Insured's business/title and detailed description of the work or the project in which the Insured's employees and laborers are going to be involved.
• Names, designation and monthly salaries of the employees/laborers.
• Total contract Value, if they are going to work for a project.

This policy indemnify the insured against all sums (up to the limit of liability specified in the policy) which the insured shall become legally liable to pay due to final court rulings to any employee in their immediate service, who suffered an accidental bodily injury or death resulting from and in the course of employment by the insured and during the period of insurance.

This comprehensive insurance policy is specifically designed to insure banks and other financial institutions' various business activities in a blanket form against losses arising from the following risks :

• Infidelity of employees.
• Loss of property on premises.
• Loss of money and other valuables whilst in transit.
• Forgery or fraudulent alteration of checks, bills, drafts, money orders etc.
• Losses incurred by the insured in the ordinary course of business in dealing with securities such as share certificates, stocks, bonds, debentures, promissory notes, deeds, mortgages, certificates of deposits, letters of credits etc.
• Loss incurred by the insured due to receiving in good faith any counterfeited or forged bank notes.
• Loss of or damage to offices and contents, which includes but not limited to furnishings, fixtures, equipment, stationary etc. Loss or damage to ATM’s and cash in these ATM’s.
• Loss resulting from professional negligence, i.e. bank's legal liability to third parties arising out of any negligent act, error or omission whilst performing their professional duties as a banker.
• Loss or damage resulting from electronic and computer crime.

Required information :
A specific proposal form has to be filled out.

This policy covers directors and officers (and the Company itself, where it is legally permitted to indemnify its Directors and Officers) for any wrongful acts committed in their capacity as directors and officers of the Company.

The Policy is written in two sections as follows :

• The Directors and Officers Liability Section indemnifies the Directors and Officers in respect of any “Wrongful Act” committed in their capacity as Directors and Officers of the Company, where the company is not permitted (either legally or by its articles of Association) to reimburse them.
• The company reimbursement section covers the Company only in respect of any reimbursement that it is required, or permitted by law to make to its directors and officers against whom a legal action has been sought.

Required information :
A specific proposal form has to be completed before obtaining a quote from the Insurers.

This cover is usually considered as a continuation of a Contractors All Risks Cover. The coverage period is usually 10 years. Policy commences after the completion of construction (after the expiry of Contractors All Risks Policy). The policy covers loss or damage to the completed structure/building (arising due to an inherent defect in the design, material or construction of the structure), which have not been discovered by the completion of the project but are discovered after handing over the structure to the principal up to a period of 10 years for which the insured becomes legally liable.

Required information :
A specific proposal form is to be completed.