General Insurance Products
Explore our insurance solutions that protect your business, property, employees, and assets against risks like accidents, theft, natural disasters, and liability.
Fire And Perils Insurance
Our insurance policy provides cover to property owned, rented, and held in trust by you e.g. buildings, furniture, contents and stock against loss or damage caused by fire and allied perils, i.e. lightning, earthquake, storm, floods, tsunami, volcanic eruptions, malicious damage, riots, strikes and civil commotion, impact by motor vehicles.
Goods In Transit
Protect your business's most valuable assets while they're on the move with AAR'sGoods in Transit Policy. We offer comprehensive coverage to ensure your propertyis safe from the moment it's loaded to its final destination. Our policy is designed togive you peace of mind, knowing your goods are protected against a range of perils.
Motor Private Insurance
Comprehensive cover that includes loss or accidental damage to vehicle from a collision, overturning, fire or theft and to injury or death to third parties or loss or damage to third party property.
Burglary Insurance
All movable assets such as stocks, furniture, office contents, tools and spares can be insured against the peril of Burglary which is defined to be theft following forcible or violent entry or exit from the insured premises.
Electronic Equipment
This covers any sudden and unforeseeable physical losses arising from theft, breakage, floods, riot and strikes and electrical damage for all your electronic equipment like computers, printers, graphic machine, Fax machine, Scanner etc which are used both within and outside your premises.
All Risks Insurance
This covers against accidental loss or damage including losses arising from fire, burglary, theft, flood, earthquake, riot and strikes on all valuable portable items like laptops, cameras, and mobile phones which are not restricted to any premises.
Money Insurance
This policy covers loss or damage to cash, or other instruments that are exchangeable to cash like postal orders, travelers cheques etc. which are typically exposed to risks of theft or damage whether at the premises or in transit.
Workers' Compensation
The policy provides compensation to employees following accidental death or bodily injury at the workplace and in connection with the business of the employer and in line with the Workers Compensation Act. It also provides for reimbursement of medical expenses related to the accident, within agreed limits.
Public Liability Insurance
This policy covers your legal liability to third parties for any death or bodily injury or loss or damage to their property whilst in your premises and as a result of your negligence subject to the limit chosen by you.
Fidelity Guarantee
This covers pecuniary loss to the insured caused by fraudulent acts of insured employees in connection with their occupation or duties. You are required to provide a list of employees handling money, their occupations, and limit for which cover is required.
Group Personal Accident
The policy provides compensation to employees following accidental death or bodily injury anywhere in the world on a 24-hour basis. It also provides for reimbursement of medical expenses related to the accident within agreed limits.
Professional Indemnity
Provides cover for compensation as a result of damages due to professional negligence by the insured, including legal expenses. Proof of negligence on the part of the insured will be required.
Marine Cargo Insurance
AAR offfers reliable and continuous insurance coverage tailored to safeguard your goods and merchandise during transit by sea, air, land or waterways. This protects your business from the uncertainities and risks inherent in transporting valuable cargo globally.
Business Interruption Insurance
Protect your business beyond property damage. When disaster strikes, property damage from fire, floods etc doesn't just destroy assets - it can bring your entire business to a halt. Business interruption insurance ensures that while your premises are being repaired, your income and operations are protected.
Motorcycle Insurance
Your motorcycle is more than just a vehicle - it's your freedom and livelihood. Protect it and secure your peace of mind against unexpected events. Ride with confidence.
Motor Commercial Insurance
Protect your vehicles. Protect your business. This is designed to give you comprehensive protection, peace of mind and financial security against all risks related to your commercial motor vehicles.
Industrial All Risks (IAR)
This policy is a comprehensive solution designed to protect your business's
physical assets and financial stability. It is more than just a standard fire policy, offering broad protection against "all risks" unless specifically excluded.
Comprehensive Cargo & Transit Insurance
Transporting goods is a critical operation that exposes your assets
to various risks. Accidents, theft, damage, or loss can happen
unexpectedly. Secure your goods throughout transit and storage, ensuring
business continuity and peace of mind.
