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Short-Term Insurance
PERSONAL / COMMERCIAL / CORPORATE / PERSONAL ACCIDENT / VEHICLE / ASSET / AGRICULTURE / LIABILITY / ENGINEERING / MARINE / BONDS & GUARANTEE
Personal Insurance
Essential Protection for your family, your home and more
- Home Insurance
- Car & Motorcycle Insurance
- Renters Insurance
- Condo Insurance
- Boat & Yacht Insurance
- Landlord Insurance
- Umbrella Insurance
- Jewellery and Valuable Items Coverage
- Wedding & Events Insurance
- Travel Insurance
- Pet Insurance
- Affinity Car & Home Program
Commercial Insurance
Helps protect your company, employees and leadership from unexpected losses.
To safeguard their operations, personnel and property, small firms must have enough commercial insurance coverage. We'll examine the many kinds of commercial insurance coverage in more detail, including:
- General Liability
- Property Insurance
- Business Interruption Insurance
- Commercial Package
- Workers’ Compensation Insurance
- Commercial Auto Insurance
- Cyber Liability Insurance
- Management Liability Insurance (D&O)
- Errors and Omissions Insurance (E&O)
Corporate Insurance
A corporate insurance can be characterized as a sort of insurance that large firms can utilize to cover a variety of operational ricks, including theft, financial losses, employee health benefits, and accidents. The officials who are or were connected with the firm, as well as the company itself, will undoubtedly benefit much from such an insurance plan, which is also referred to as business insurance.
In this regard, it is important to remember that the protection has some limitations. Any personal activities that are not covered by this insurance will be held accountable by the company's executives. Any personal activities that are not covered by this insurance will be held accountable by the company’s executives. - Property Insurance
- Professional Liability Insurance
- Workers Compensation Insurance
- Group Health Insurance
- Product Liability Insurance
- Business Interruption Insurance
Personal Accident Insurance
Accidents are always unpredictable, and the same is true of their outcomes. Therefore, purchasing personal accident insurance can help to reduce the financial burden associated with such terrible occurrences. This insurance provides defence against unintentional death and disability.
- Individual Personal Accident Insurance
-Group Personal Accident Insurnace
Vehicle Insurance
Can protect you against costs and liabilities if you are involved in a crash or your vehicle gets stolen or damaged.
- Third-party liability-only policy
- Comprehensive insurance policy
- Standalone own damage insurance policy
Asset Insurance
Asset insurance is a type of insurance that reduces the danger of abrupt, unavoidable damage to the assets controlled by your company. Any Asset that is insured by an insurance company should be fixed or replaced if it is destroyed or damaged. Asset insurance comes in a variety of forms, and it can cover a wide range of business assets. Asset insurance is frequently chosen by business of assets. Asset insurance is frequently chosen by chosen by business owners to be included in a general policy, although some providers also provided it as a separate product.
Agriculture Insurance
In general, insurance is a technique for managing risks that is intended to protect against potential losses. According to the definition, ricks of loss is fairly transferred from one entity to another in exchange for a premium or a guaranteed, quantified little loss in order to avoid a much larger and potentially catastrophic loss.
A unique type of property insurance specifically for agricultural business is known as agriculture insurance. Because this sort of insurance is so specialist, the insurance companies that operate in the market either have agribusiness departments that are exclusively responsible for it or outsource the underwriting to firms who are experts in it. In addition to crop insurance, agricultural insurance covers forestry, aquaculture, greenhouses, livestock, and bloodstock. - Animal agricultural insurance
- Crop agricultural insurance
- Farm equipment and property agricultural insurance
Liability Insurance
Protect your customers and your business from all of life's little mishaps.
- Public Liability Insurance
- Product Liability Insurance
- Employer Liability Insurance
- Third-Party Liability Insurance
Engineering Insurance
A variety of risks associated with engineering are covered by a type of insurance coverage called engineering insurance. It is a thorough insurance plan that provides financial security against ricks experienced by ongoing construction projects, installation projects, and machinery and equipment used in projects operation.
There are more potential of associated accidents and dangers because, this industry involves producing, designing, and building. As a result, engineering insurance policies cover a variety of risks related to on-site building, including the use of machinery and plant. - Contractor’s All Risk (CAR) – Annual/Single project
- Erection All Risk (EAR) – Annual/Single project
- Contractor’s Plant and Machinery (CPM)
- Electronic Equipment Insurance (EE)
- Machinery Breakdown Insurance (MBD)
- Loss of Profit Insurance Following Machinery Breakdown (MLOP)
- Deterioration of Stock (DOS)
- Advance Loss of Profits (ALOP)
Bonds and Guarantee Insurance
Bonds and guarantee are meant to act as a type of insurance for the buyer if the smaller doesn't fulfil their end of the bargin.
- A Bid or Tender Bonds
- Performance Bonds
- Advance Payment Bonds
- Warranty or Maintenance Bonds
- Guarantee
LONG-TERM & LIFE INSURANCE
LIFE INSURANCE
A contract for life insurance is made between the policyholder and the insurer. In exchange for the premiums paid by the policyholder throughout their lifetime. a life insurance policy promises that the insurer will pay a certain amount to designated beneficiaries when the insured passes away.
There are numerous life insurance options to suit a wide range
of requirements and tastes. The fundamental decision of
whether to choose temporary or permanent life insurance is
crucial to consider, depending on the short- or long-term
demands of the individual to be insured.
- Term Life Insurance
- Permanent Life Insurance
LONG-TERM INSURANCE
This is insurance directly related to people and life-changing events.
- Retirement Planning
- Estate Planning
- Disability Cover
- Dreaded Disease Cover
- Funeral Insurance
- Income Protection
- Buy & Sell
INVESTMENT INSURANCE
You get two different types of investments with your money.
VOLANTARY MONEY
- Person Share Portfolio
- Endowments (Tax-Free or Normal)
- Liquidity
- Bank Investments
COMPULSARY MONEY
- Retirement Annuity
- Living Annuity
- Preservation Funds
- Umbrella Fund
BUSINESS INSURANCE
Business assurance is the process of ensuring that an organization follows the best practices in implementing their operations.
It is about providing organizations with increased confidence in their control environment and with improved efficiency of their business processes, maintaining resealable assurance that they're in control of their business. The tm "assurance" has dual meanings in business. It refers to the coverage that pays a benefit for a covered event that will eventually happen and refers to the assurance given by auditing professionals regarding the validity and accuracy of reviewed documents and information.
- Sole Proprietorship
- Partnership
- Close Corporations
- Company
- Deferred Compensation
- Key Man Insurance
- Preferred Compensation
- Buy and Sell Agreements
- Business Contingency Planning
- Capital Gains Tax
MEDICAL HEALTH INSURANCE
Navigate the World of Healthcare Coverage with Ease
Unravelling the complexities of medical health insurance doesn't have to dauting a FGH Wealth, we specialize in guiding you towards the ideal healthcare cover that suits your unique needs. We're here to make the process seamless and hassle-free,
ensuring you're equipped with the right protection and peace of mind.