Fire and Perils

This is the main material damage cover (see the next section for Loss of Profits) required by businesses, protecting the buildings and contents against a variety of perils. Perils To Be Covered While there is the understandable perception that the main threats to the assets of any business doing business in The Bahamas are fire […]

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Loss of Profits

This type of cover is also known as Consequential Loss or Business Interruption. The Fire & Perils policy excludes consequential loss, so a separate Loss of Profits policy is required. Loss of profits following a major loss, like a fire or hurricane, is often responsible for putting a business out of operation if Loss of […]

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Employers Liability

The days when employees were reluctant to sue their employers for injuries received on the job are long gone. Anyone employing anyone needs protection against this risk. Such protection is provided by an Employers’ Liability Policy, which gives you an indemnity against legal liability for damages and claimants’ costs and expenses in respect of bodily […]

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Public Liability

Your company needs protection against claims for personal injury and property damage by members of the public, for which you are allegedly legally liable. As Bahamian society becomes more litigious, the frequency and severity of such claims can only be expected to increase. Public liability insurance cover provides the protection that you require. Premiums To […]

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Theft

Known also as Burglary Insurance, this covers the trade contents against theft accompanied by an actual forcible and violent entry of or exit from the premises. Premiums These will depend on a number of factors, including type of business, location, protections and previous claims history. Premiums can be reduced by opting for a voluntary deductible, […]

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