Underwriting Product Matrix
Our Solutions
Twenty-seven classes of business across four families — personal, commercial, bonds and liability. Every one of them quotable in a single click.
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01 — Class of business
Personal Lines
Provides protection to individuals and families against financial loss or damage to homes, personal property, private vehicles and other valuable possessions. Can include compensation in the event of accidental injury or death.
5 coversHouseowner
Cover for the physical structure of your home against fire, storm and other insured perils.
Householders
Cover for household contents and personal belongings against fire, theft and other insured perils.
Private Motor
Comprehensive cover for private vehicles against accidental damage, theft and third-party liability.
Personal All Risk
Cover for specified high-value items like jewellery, electronics and cameras, anywhere in the world.
Personal Accident
Lump-sum and income benefits for accidental death, disability or injury to you or your family.
02 — Class of business
Commercial Lines
Provides protection to businesses against financial losses affecting their assets, operations and commercial activities.
12 coversProperty
6 coversFire
Cover for loss or damage to business premises and contents caused by fire and allied perils.
Burglary
Cover for loss of or damage to business property following forcible and violent entry or exit.
Glass Insurance
Cover for accidental breakage of fixed glass, including shopfronts and signage.
Accidental Damage
Cover for sudden, unforeseen physical damage to insured business property.
Business Interruption
Cover for loss of income and standing charges following an insured material damage event.
Money Insurance
Cover for loss of business money on premises, in transit or in the custody of employees.
Engineering
5 coversContractor's All Risk
Material damage and third-party liability cover for building and civil works during construction.
Erection All Risk
Material damage and liability cover for the erection and installation of plant and machinery.
Plant All Risk
Material damage cover for contractors' plant, equipment and machinery, on site and in transit.
Machinery Breakdown
Cover for sudden and unforeseen mechanical or electrical breakdown of installed plant and machinery.
Electronic Equipment
Material damage cover for computers, servers and other electronic office and business equipment.
Transit Insurance
1 coverGoods in Transit
Cover for loss or damage to goods while being transported by road, rail, sea or air.
03 — Class of business
Bonds & Guarantees
Provides financial security to employers, project owners and purchasers if a service provider defaults on specified contractual obligations.
5 coversPerformance Bond
Guarantees contract performance to the employer for the full duration of the works.
Advance Payment Guarantee
Secures repayment of an advance payment made by the employer should the contractor default.
Bid / Tender Bond
Guarantees that a tenderer will honour its bid and sign the contract if awarded.
Supplier's Bond
Guarantees a supplier's performance and delivery obligations under a supply contract.
Retention Money Guarantee
Allows early release of retention monies withheld by the employer pending final completion.
04 — Class of business
Liability
Protects businesses against legal liability and financial loss arising from but not limited to bodily injury, death, property damage, professional negligence and employee dishonesty.
5 coversWorker's Compensation / Employer's Liability
Statutory cover for employee injury, illness or death arising from employment.
Public / Third-Party Liability
Legal liability to third parties for bodily injury or property damage arising from business operations.
Product Liability
Legal liability arising from bodily injury or property damage caused by products you manufacture or supply.
Professional Indemnity
Cover for legal liability arising from professional negligence, errors or omissions in advice or services.
Fidelity Guarantee
Cover for financial loss caused by the fraud or dishonesty of employees.
Not sure which cover the contract calls for?
Send us the tender document or the contract schedule. Our underwriters will tell you exactly which classes you need — and quote them together.