Household Contents Cover
Insured property that belongs to the insured or for which the insured are responsible for, it includes : household contents, personal property, fixtures and fittings that belongs to you as the tenant.
House Owner Buildings Cover
Insured property is the private residential structures of the insured’s home, the walls and roof construction. It includes all fixtures and fittings that belong to the insured as the owner or for the property that the insured are responsible for. It does not include any fixtures and fittings that belongs to a tenant.
All Risks Cover
General all risks : Loss or damage to clothing, sporting equipment and personal effects normally worn or carried by a person.
Specified all risks : Loss or damage to specified items : cellular phones, laptops, bicycles, wheelchairs, gardening equipment or other articles shown in the schedule.
Vehicles
Any car, light delivery vehicle, trailer, caravan or motorcycle described in the schedule, including standard tools, accessories and spare parts in or on it, as well as other extra accessories and parts of the vehicle while fitted to it. There are 4 types of cover : Comprehensive cover, Comprehensive cover, excluding theft and hijack, Limited cover (fire, theft and hijack) and Third party only.
Personal Computer/Electronic Equipment cover
Any computer and accessories that belongs to the insured, It includes the keyboard, monitor, printer and any other accessories, including software as described in the schedule.
Personal Liability Cover
Compensation for the insured’s legal liability for accidental death, bodily injury or illness of any person and accidental physical loss or damage to tangible property of any person.
Water Craft
The hull not exceeding eight metres in length, inboard motors, rudder, propeller, hoardings, moorings, sails, spars, masts, rigging, fixtures, fittings and equipment or any watercraft shown in the schedule.
Personal Accident Cover
An event that is external to the body that the insured could not avoid, intended, expected or foreseen. Compensation will be given for death, disability and medical expenses for personal accident for the insured, insured’s spouse, parents of the insured, children of the insured and the full time domestic staff of the insured.
Professional Indemnity Cover
Also referred to as professional liability insurance or PI insurance, covers legal costs and expenses incurred in your defense, as well as any damages or costs that may be awarded, if insured are alleged to have provided inadequate advice, services or designs that cause your client to lose money.
Motor Fleet
Fleet insurance to cover all the vehicles at the same time. It can cover a large number of vehicles or a small number (six or less is typically a mini fleet). It covers any type of motor vehicle where a license is required, including cars, trucks and vans.
Commercial Buildings
Buildings owned by the insured for which he is responsible including all outbuildings thereto and sporting and recreational structures and plant and machinery pertaining to and associated therewith, landlord’s fixtures and fittings therein and thereon, walls (except dam walls), gates, posts, fences, and concrete, tarred, paved or stone (not gravel), covered areas, roads, driveways, paths or parking areas.
Transit Insurance
Goods transported over land, for the owner of the goods being transported, or the company hired to transport the goods. The goods can be raw materials, manufactured goods, packaging material, or goods owned by someone else. Other than offering the policyholder indemnity from damage or loss, the insurance coverage also covers other related expenses such as incidental storage, and alternative accommodation expenses.
Agri-Insurance
Cover the insured’s farm’s fixed and/or moveable property, buildings, contents of such buildings and property in the open.
Taxi Insurance
Cover for owners of minibus, midi bus, sedan, shuttle services and metered taxis.
Guesthouse, B&B Insurance
Cover for maximum of 20 rooms, where the owner and/or manager lives on the insured premises (i.e. not necessarily in the same building but on the same property).
Have Any Additional Questions?
LLM offers a wide range of insurance focusing on personal, commercial and agri insurance, tailored to meet the specific client’s needs, big or small.
We are happy to answer all your insurance related questions.