At iRisk, we offer value for your money. We provide the following services
We Provide The Best Services In Risk Management And Insurance Brokerage.
The Company specializes in the following critical areas under its rapidly developing Risk Management Consultancy and Insurance Consulting portfolios:
General insurance advisory and risk management consultancy services
Pre-loss and post-loss surveys
Policy review, business processes diagnostics and risk planning
Best-policy advisory and risk placement
Staff training needs assessment and insurance training
Claims advisory and processing
Industry and market research
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Know More About Some Of The Insurance Policies.
Life insurance policies are intended to provide compensation for disabilities and bodily injuries to a policyholder and death benefits to a successor upon the demise of the policyholder. The policy can be extended to provide cover for medical expenses resulting from an accident and critical illness. Life insurance encompasses a variety of policies as follows:
- Group Life / Accident
- Personal Accident
- Funeral plan
- Pension plan
It is mandatory by law for motor vehicle owners to purchase the most basic form of motor insurance – the third party motor insurance policy. There are however three major classes of motor insurance as follows;
Third-party only: covers the insured’s liability for death caused to third parties (injury /death to the person and property damage)
Third-party, fire, and theft: this includes cover for liabilities to third parties and loss or damage to the vehicle resulting from the fire or theft
Comprehensive: it is the widest form of cover available for vehicles which embodies the covers specified above. Thus, the policy provides cover for loss or damage to the vehicle as a result of an accident, fire, and theft, including losses arising from liabilities to third parties.
This is an insurance policy that covers the risk of a person incurring medical expenses. Medical insurance is available for both individual and corporate clients. There is a variety of benefits in relation to the respective health packages to meet the insured’s preference.
This is a policy that provides cover against loss or damage to ships, cargo, terminals and any transport or cargo by which the property is transferred, acquired or held between the points of origin and the final destination.
A commercial fire insurance policy that includes a range of additional covered perils. The policy covers any unforeseen, sudden and physical damage to property caused by the following perils:
- Fire, lightning, explosion person and thunderbolt
- Storm, tempest, hurricane, tornado, and flood
- Riot, civil commotion and strikes which are not politically motivated
- Impact with neighboring buildings and vehicles not belonging to the insured.
Bonds are contracts that exist between three parties – the contractor, the guarantor and the principal. The policy provides cover for the insured (principal) such that in the event of a default in delivery of services on the part of the contractor, the principal will be indemnified by the guarantor (insurer).
It is a form of insurance protection that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It ensures business for losses caused by the dishonest acts of its employees. Should an employee commit theft, fraud or dishonesty towards your company, a fidelity insurance policy will protect the insured by giving compensation for any direct financial losses.
These are policies where the subject matter consists of the insured’s liability at law towards third parties such that; the insured is covered against any injuries or death to persons or damages to properties arising out of the course of operations. The categories include Public Liability, Product Liability, Directors’ and Officers’ Liability, Professional Liability and Employer’s Liability.
This policy is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling outside the borders of a country.
The policy protects the insured against risks associated with transporting cash from one location to another. It typically provides coverage for the following:
- Cash in transit from the bank
- Cash in insured’s premises outside safe during office hours
- Cash in the hands of authorized officials
This policy provides cover in the event of the following:
- Loss of goods during transit
- Theft of goods during transit
- Damages caused to goods by accidents during transit
- Damages caused due to transit
- Loss of earnings cover caused by delays in transit
This is a type of policy that offers cover for ongoing work on a construction site. The main purpose of the policy is to make sure that your work is covered in that if there is an unforeseen event such as flood or fire, the contractors; all-risk policy will pay to have the work repaired or redone, meaning that you don’t have to end up paying out of pocket.
This policy provides coverage and protection from all risks or perils that could damage your building, its contents and personal belongings except the risk is specifically excluded in the policy wording; for example losses as a result of deliberate damage to property.