Products & Services

General Accident Insurance


Listed under this line of insurance are a number of important policies designed to provide the maximum insurance protection against wide range of risks related to and borne by various commercial and industrial business activities.

Money Insurance Policy.

This insurance policy is tailored to indemnify the Insured for financial losses incurred (other than what is explicitly excluded in the policy and the attached endorsement "s") in connection with an act of burglary, theft, physical damage of money whilst in:

  • Transit.
  • The insured premises during working hours (for use).
  • In safes or in vaults or strong rooms and in cash registers.
Money is defined as:

Cash Bank notes, Currency Notes or Coins, Cheques (whether open or crossed), Postal orders, Money Orders and Current Postage Stamps.

1- Fidelity Guarantee Insurance Policy.

This policy is designed to indemnify the Insured for financial losses solely and directly sustained due to acts of dishonesty or fraudulent nature a committed by the Insured's employee (s) (as named in the policy schedule) entrusted with money and / or property.

2- Plate Glass Insurance Policy.

This insurance policy indemnifies the Insured for accidental breakage of the Insured’s plate glass plates (breakage of glass due to any cause other than those excluded in the policy) specified in the policy schedule either by replacing or paying the market value for the broken glass up to the sum insured value specified in the policy schedule less any salvage.

3- Burglary Insurance Policy.

This insurance policy indemnifies the Insured for sustained material damage and /or financial losses incurred to the property (s) insured arising out of an attempt(s) or act(s) of burglary or theft followed by violent and forcible entry to or exit out off the premise(s) and /or climbing over and/or breaking through premise(s) walls and/or roofs and/ or floors.

4- Personal Accident Insurance Policy.

This cover is 24 / 7 around the world insurance protection policy designed to indemnify the Assured against sustained violent external and visible accident which result in the Assured:

  • Death or.
  • Permanent total and partial disablement or.
  • Temporary total and partial disablement.

5- Workmen Compensation Insurance Policy.

This policy covers the employees and laborers of the Insured against accidental bodily injury, disablement or death whilst on duty and/ or engaged in the execution of the any project undertaken by the Insured in accordance with the provisions of the Kuwaiti Labor Law presently in force.

6- Employer's Liability Insurance Endorsement.

This endorsement cover is tailor made to indemnify the Insured (the employer) against all sums (up to the limit of liability specified in the endorsement) which the Insured shall become legally liable to pay by final court judgment to any employee in the Insured’s immediate service because of accidental bodily injury or death arising out of and in the course of employment by the Insured during the period of Insurance.

- The Employer's Liability Endorsement is only granted in conjunction with the Workmen Compensation Insurance policy.

7 - Bankers Blanket Bond Insurance

This comprehensive insurance policy is specifically designed to insure banks and other financial institutions various business activities against incurred losses arising from the following risks:

  • Infidelity of employees.
  • Loss of property on premises.
  • Loss of money and other valuables in transit.
  • Forgery or fraudulent alteration of cheques, bills, drafts, money orders etc.
  • Losses incurred by the Insured in the ordinary course of business in dealing with securities such as share certificates, stocks, bonds, debentures, promissory notes, deeds, mortgages, certificates of deposits, letter of credit etc.
  • Loss incurred by the Insured due to receiving in good faith of any counterfeited or altered bank notes.
  • Loss of or damage to offices and contents, which includes but not limited to furnishings, fixtures, equipment, stationary etc.
  • Loss or damage to ATM’s and cash in these ATM’s.
  • Loss resulting from Professional negligence.
  • Loss or damage resulting from Computer Crimes.