Life Insurance Provides financial relief to your chosen beneficiaries in the event of your death or disability. Is also a benefits policy. Basis is usually a multiple of annual salary or a capital sum, like the personal accident cover. Scope of cover is wider than personal accident, as it covers
Health Insurance Covers various types of insurance related to personal health Is a benefits policy because no value can be placed on a human life. Makes payments if the insured suffers accidental death or bodily injury at any time (Personal Accident) causing death, permanent partial disability, permanent total disability, partial
Combined / Package Policies Brings together several different types of cover or a range of risks/perils under one policy. Can be used to provide comprehensive protection for your home and/or your business. Some combined policies are “All Risks” meaning that whatever is not specifically excluded is covered by the policy
Aviation Insurance Covers both loss of or damage to the aircraft (hull) and legal liability to third parties and passengers (liability). Specialist covers exist for aviation products, personal accident policies for aircrew, drones and satellites. Aviation cargo is insured under a marine policy. War and Terrorism can be covered if
Handling of Claims One of the pillars of ARIS success has been the investment we have made in having professional, well trained Claims personnel. As such we are able to provide a comprehensive timely claims service to all our clients. We fundamentally understand that without this capability we will never
Property Insurance Covers risks to actual property Property includes: Buildings, contents and stock Plants Computers Glass Livestock Temporary Contract Works Gold Mainly covers perils such as fire, lightning, and explosions. Depending on the property insured, can cover explosion, breakdown or accidental damage (for plants). Can be built up (i.e. adding
Marine Insurance A) Covers physical damage to ship or goods (marine hull), liabilities incurred to other parties (protection and indemnity), and loss of income (marine loss of income insurance). B) Can be tailored to accommodate large commercial enterprises or private pleasure craft. C) Warranty required (guarantee or promise) given by
Liability Insurance A) Protects the insured against liabilities arising from death, injury, disease, loss or damage caused to another party. B) Specific covers exist for liability arising out of: Bodily injury or death to employees during their employment Injury or Damage to the Public including if it is due to
Motor Insurance A) Covers damage to the insured’s vehicle or liabilities to third parties for injury or property damage or both B) Usage for private or commercial purposes to be communicated clearly C) Geographically limited to a country unless it is extended to cover travel to other countries in the
Pecuniary / Miscellaneous (non-physical financial loss) Insurance Covers financial losses that do not involve physical damage to property. Can cover financial losses caused by: Employee dishonesty Business Interruption arising from or due to damage to property caused by fire, machinery breakdown or a political event Supplier not receiving debt payments
