Veritas General Insurance Plc offers you this policy to protect you from legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out of the course of his or her employment.
Other liability related to employees and the public
The policy covers all sums which the insured shall become legally liable to pay as damages (including all litigation expenses incurred but only with the consent of the insurers) arising from: accidental death of or bodily injury due to illness or disease contracted by and accidental loss of or damage to property belonging to members of the public, arising anywhere in connection with the business.
This policy covers direct financial loss sustained by you as a result of fraud or dishonesty of your permanent employee(s) which results in dishonest personal financial gain for the employee(s) concerned.
Group personal accident
This policy covers accidental bodily injury or death to the employees of the insured caused solely through external violent and visible means and where such injury prevents the employee from performing normal duties. This policy usually covers permanent employees but can also cover casual employees on request.
Individual personal accident
This policy covers accidental bodily injury or death caused solely through external violent and visible means to individuals (whether employed or not).
This policy covers the insured against legal liability to pay compensatory damages (including claimant's costs and defence costs) for bodily or mental injury, illness, disease or death of any patient caused or alleged to be caused by malpractice arising out of the business or profession.
Veritas General Insurance Plc · Business life insurance
Agriculture insurance protects you from losses and minimises the impact they have on your farm and your finances.
This policy covers loss or damage due to fire, lightning, storm, malicious damage, transit and theft of harvested crop whilst stored in a silo or building. Veritas General Insurance Plc currently offers the following covers:
This covers death of animals in respect of accidents, illnesses or diseases and epidemics. Policies can be extended to cover theft, calving risks etc. The cover is suitable for animals such as cattle, sheep, pigs, horses and policy.
This is a full package which provides cover for the following:
Veritas General Insurance Plc · Agriculture insurance
Goods in transit Veritas General Insurance Plc offers this annual policy that covers goods whilst in transit within Zambia against:
Single inland transit
This is a single transit cover of goods within Zambia, which is terminated immediately goods are unloaded from the conveying vehicle. Cover is against losses and damage to the goods from causes not specifically excluded on the policy.
Marine open cover
This provides automatic cover for regular shipments to and from abroad (whether travelling by land, sea or air) on declaration basis. Cover is against losses and damage to the goods from causes not specifically excluded on the policy.
This policy is suitable for clients whose imports are irregular and it covers losses and damages to the goods from causes not specifically excluded on the policy (whether travelling by land, sea or air).
Veritas General Insurance Plc · Marine insurance
Veritas General Insurance Plc assumes the risk of any loss that your car or property may incur and offers a wide array of policies to cover you.
Commercial vehicle comprehensive insurance policy
Veritas General Insurance Plc offers a comprehensive insurance policy that covers:
Commercial vehicle executive insurance policy
This policy is designed specifically for professionals, top executives, officers or diplomats and provides comprehensive cover at a favourable rate.
Commercial vehicle full third party fire and theft insurance policy
This covers against:
Commercial vehicle third party insurance policy
Provides cover against third party liabilities (property, death or injury) only.
Motor traders internal and external policy
These policies cover motor vehicles, which are in custody or care of motor traders against:
Property insurance burglary policy
This policy covers loss or damage to property contained in the business premises through forcible and violent entry into or exit from the premises. It also covers damage to premises in the course of the theft or any attempt threat up to state limits.
Property insurance all risks policy
This policy covers accidental loss or damage to insured items from any cause other than those specifically excluded on the policy. It usually applies to high valued portable items.
Property insurance money policy
This policy covers loss of money belonging to the insured whilst such money is in transit or on the insured's business premises. This policy may cover:
Professional indemnity Policy
This policy indemnifies the insured against legal liability for damages and claimant's costs and expenses in respect of claims for breach of professional duty.
Property insurance glass policy
This policy covers loss of or damage to glass situated at the insured's premises.
Property insurance fire and allied perils policy
This policy provides cover against loss or damage to property by:
Directors' and officers' liability policy
This policy covers the insured against legal liability for loss or damage resulting from any wrongful act of the insured staff in their capacity as director, officer or employee of the company except as specifically excluded.
Customer protection policy
This policy covers hire purchase companies for goods which are the subject matter of a hire purchase agreement against loss or damage by accident or incident arising from fortuitous circumstances not specifically excluded
Fire business interruptions Policy
This policy provides cover against loss of profit due to reduction in turnover and increase in cost of working arising from an interruption of or interference with the business carried on by the insured at the premises following loss, destruction or damage covered under the fire policy (material damage) to the property used by the insured.
Comprehensive office policy
Provides cover as in fire and allied perils plus:
Electronic equipment all risks policy
Provides cover for computer equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded on the policy.
Contractors' all risks policy
This policy provides cover for all civil engineering works against
Plant all risks policy
Provides cover to plant against any unforeseen and sudden physical loss or damage from any cause not specifically excluded.
Erection all risks policy
Provides cover to individual machines, complete manufacturing complexes and steel structures which are being erected, against unforeseen and sudden physical loss or damage resulting from:
Machinery breakdown policy
Covers any sudden and unforeseen physical loss or damage other than fire damage to machinery whilst in the premises, whether they are at work or at rest from causes not specifically excluded.
Loss of profits policy (following machinery breakdown)
Provides cover to the insured (client) against financial loss following a claim under machinery breakdown. The coverage is centred on the reduction in turnover resulting from decreased production or other impairment of business operations caused by an accident to machinery.
Boiler and pressure vessel policy
This policy covers against:
This provides cover against loss or damage to stock caused by deterioration due to any unforeseen and sudden physical loss of or damage to machinery and indemnifiable under machinery breakdown policy in force or due to failure of the public power supply resulting in a rise or a drop in temperature or sudden and unforeseen escaping of refrigerant in the cold storage facilities.
Terrorism and sabotage policy
This policy covers against loss or damage to property resulting from: Terrorism, sabotage, mutiny, insurrection, rebellion, coups d'etat, strike, riot or civil commotion and any ensuing fire damage from looting, other damages caused by an act of lawfully constituted authority for the purpose of suppressing or minimising the consequences of any of these incidents.
Veritas General Insurance Plc · Business general Insurance
Comprehensive motor insurance policy
This policy provides cover for both your car and other people's vehicles and property. The company also provides a range of flexible options such as no claim bonus protection and restricted driver so that you can get the cover you want. This policy covers you against:
Full third party fire and theft motor insurance policy
This policy safeguards any other parties involved in an incident. The policy covers you against loss or damage caused by fire, lightning, explosion, theft or attempted theft. The policy also covers you against third party liabilities (property, death and or injury).
Third party motor insurance policy As a minimum statutory requirement, motor third-party insurance covers you against third party liability (property, death and or injury) only.
House owners personal property insurance policy The policy provides cover for residential buildings. This is similar to fire and allied perils but in addition covers:
Householders personal property insurance policy
Provides cover for household contents. Cover is provided as in fire and allied perils plus:
Electronic equipment all risks insurance policy
This policy gives you cover for your valuable items such as laptops, desktops printers and diagnostic equipment. Veritas General Insurance Plc offers you comprehensive coverage against unforeseen and sudden physical loss or damage to the electronic equipment that occurs owing to perils other than those specifically excluded under the policy.
Veritas General Insurance Plc · Personal general insurance
Although unplanned, accidents are a reality. The sudden loss of income for you and your family due to unfortunate circumstances can have a devastating effect. However, with accident insurance, you have the ability to make sure that your family can cope without your income. Veritas General Insurance Plc accident insurance plan offers you the financial stability that becomes essential in such cases. Veritas General Insurance Plc's individual personal accident policy covers accidental bodily injury/death caused solely through external violent and visible means to individuals (whether employed or not), temporary total disability as well as permanent disability cover.
Veritas General Insurance Plc · Personal accident insurance