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General Insurance

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General Insurance Overview

When it comes to managing the risks associated with your business, property, and personal well-being, having the right insurance is crucial. Tokio Marine offers a range of insurance products designed to protect you and your assets from different risks. Below, we provide an overview of several types of general insurance, including their key coverage areas and benefits, to help you choose the best coverage for your needs.

Contractor’s All Risk & Workmen Compensation

Contractor’s All Risk & Workmen Compensation offers extensive protection tailored for construction projects, safeguarding both property and workforce.

Key Coverage

Loss or damage to the construction works
Third-party liability

Exclusions

Wear and tear, gradual deterioration
Faulty design or workmanship
War, terrorism, or nuclear risks
Damage arising from non-compliance with statutory regulations
Fines, penalties, or liquidated damages
Loss or damage due to cessation of work

All Risks Insurance

All Risks Insurance protects valuable assets like equipment, fixtures, and electronic devices against accidental loss or damage due to fire, theft, or other incidents. Coverage extends to loss or damage from any accident not explicitly excluded.

Key Coverage

Loss or damage to equipment, fixtures, and other valuable property due to accidental incidents.

Exclusions

Wear and tear, depreciation, gradual deterioration, mildew, and moth.
Mechanical or electrical breakdown or derangement.
Damage arising from war, invasion, or government order.

Equipment Insurance

Equipment Insurance secures mobile equipment for businesses, such as forklifts, bulldozers, and cranes. It covers accidental loss or damage during transportation or operation, excluding risks such as overloading, wear and tear, and unauthorized use.

Key Coverage

Coverage for mobile equipment used in business operations, including loading and unloading, fire, and accidental collisions.

Exclusions

Loss or damage caused by overloading or wear and tear.
Unauthorized operation by an unqualified individual.
Equipment used for illegal purposes or beyond the territorial limits.

Fidelity Guarantee

Fidelity Guarantee Insurance safeguards against financial losses from employees’ dishonest acts, including fraud and embezzlement. Coverage includes losses discovered during the insurance period or within six months after termination.

Key Coverage

Financial losses due to employees’ dishonest or fraudulent acts.
Losses discovered during the insurance period or within six months thereafter.

Exclusions

Indirect or consequential losses.
Losses sustained prior to policy inception.
Trading losses or losses from unauthorized trading.

Money Insurance

Money Insurance covers the loss of money while in transit or on your premises. Coverage includes theft, accidental damage, and robbery. Premiums vary depending on the transit risk, premises risk, and the amount insured.

Key Coverage

Loss of money in transit or kept on premises.
Coverage for theft, accidental loss, and robbery.

Exclusions

Shortages due to errors or clerical mistakes.
Loss due to fraud or dishonesty by employees.
Unexplained disappearance or shortages.

Motor Insurance

Motor Insurance ensures that you have essential coverage for vehicles, including fire damage, third-party liability, and damage to other parties’ property. Optional add-ons are available, such as coverage for private electric chargers or unlimited towing assistance.

Key Coverage

Accidental fire damage to your vehicle.
Third-party liability for injury or property damage.

Damage to other parties’ property.

Optional Add-Ons

Coverage for electric vehicle chargers.
Unlimited towing assistance.

For more detailed information on each of these products, including exclusions, coverage details, and to get a quote, you can contact our customer service or visit our website. Have a Question? Speak to us today our customer service personnel are ready to answer your inquiries and provide assistance. Contact us for further information or to discuss the best insurance options for your needs.

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