If you are a Principal or a Contractor and required by law to have insurance covered for your construction and third party liability in order to have permission from the Ministry of Public Works and Transport, please come to us to discuss about the Contractors’ All Risks Insurance to cover during the construction period for your contract works and/or construction machineries against loss or damage to property and third party liability for accidental bodily injury and third party’s property damage caused by the performance of the construction.
Similar to Contractor’s All Risks, Erection All Risks policy can also provide a complete protection against unforeseen and sudden physical loss or damage to the plant and machinery during the erection, installation and commissioning period. The coverage also includes Third Parties in respect of property damage and bodily injury caused by your erection project.
Machinery Breakdown policy broadly covers loss or damage to your insured expensive machinery and equipment due to all kinds of accidental, electrical and mechanical breakdown resulting from internal and external causes during the machinery is in operation/at rest/in the process of dismantling, overhauls or re-erection at the same premises.
Your construction plant, equipment and machinery are your considerable asset working on your project. A plenty of risks might happen before your project is completed and you should be aware of that such as fire, overturning, collision, theft, flood, and so on.
You can rest with peace of mind with our policy because it covers your plant and machinery whether they are at work or at rest, or being dismantled for the purpose of cleaning or overhauling, or in the course of subsequent re-erection. Some examples of the items to be insured are as follows:
It is most terrifying to see any building is on fire and that building is your effort and money. Fire can happen unexpectedly at any time if you are careless such as forget to blow the candle, forget to turn off the cooking gas, or electricity short circuit, etc. Imagine what happens when your home, or your property or your business is destroyed by fire?
Our Fire policy covers for your loss or damage to your property (building, equipment, stock) resulting from:
Our Property All Risks policy cover all risks of physical loss of or damage to all properties owned by the Insured or for which they are responsible, such as fire and allied perils, machinery breakdown, loss of profit caused by the perils insured, and burglary, unless specifically excluded by the policy wordings and endorsement.
What if your business is on fire? You are forced to close your business because of such interruption? If you hold the Business Interruption Insurance policy, it will help you to cover your loss of profit or earnings until you are able to reopen your business with normal operation.
Our Business Interruption or Loss of Profit policy indemnify against Loss of Gross Profits due to the Reduction in Turnover and increase in cost of working as a result of interruption to or interference with the Insured's business caused by an indemnified loss destruction or damage under the corresponding Fire and Perils Insurance or Property All Risks policy. So, your business is safe and no need to worry any more once you have this policy with us.
All human life is so precious and of course cannot be measured by money. However, accident can happen anywhere at any time and cause death, disability and bodily injury unexpectedly. What if it happens to you or your employees? In some serious cases, accidents cause employees fatal injury or permanent disabled and unable to work again. Who would cover the cost?
Our Personal Accident Insurance policy covers all of your employees 24 hours and worldwide coverage cause in:
Employer’s Liability Insurance is one part of a Workers’ Compensation Insurance policy. The first part of fulfils statutory obligations under Workers’ Compensation laws. In other words, you are liable for your employee’s occupational injuries.
To shield you from this liability, the first part of your Workers’ Compensation coverage picks up the cost of work-injured employees’ medical expenses and lost wages in exchange for the policy’s premium
The second part of your policy, known as “Employer’s Liability Insurance,” covers liability arising out of employees’ work-related injuries that are not covered by the first part. Specifically, lawsuits.
How Employer’s Liability Coverage works?
It usually covers all types of employer’s liability claims unless specifically excludes them. Employer’s Liability lawsuits typically involve one or more of the following four claims:
With a Marine Cargo policy with us, you are worry free for your goods which is transporting from warehouse of the factory to the final warehouse destination. We also understand that your businesses as the importers and exporters are very much exposed to big financial risks when your goods/cargos are on the way internationally or even locally.
We have three types of Marine insurances, flexible and suitable to your mode of transportation.
We provide a wide range of cover for Airlines with All Risks and Liability:
This insurance is essential cover for business that regularly deal with clients and members of the public. In an increasingly litigious society, having the right insurance is key if you want to protect your business from expensive legal fees and costly payouts. As a specialist insurer, we understand the risks facing your industry. Public and product liability insurance covers your business against:
Money Insurance policy provides cover for loss of money in transit between the insured's premises and bank or post office, or other specified places occasioned by robbery or theft. The policy also cover loss by burglary or housebreaking whilst money is retained at Insured's premises in safe(s) or strong room.
Grant yourself total peace of mind against theft and burglary! Burglary insurance provides protection against incidents of theft to your property. This policy covers losses or damages to your property and its contents in your business premise due to:
BBB Policy is insurance for the financial institution covering all its employees. This includes instances of fraud, dishonesty, theft, forgery and third party computer and funds transfer fraud.
Online crime can ruin businesses, subjecting their operations to denial of service and virus attacks as well as data loss. Our Electronic Computer Crime Insurance policies can help. Designed to complement your organization’s risk prevention programme, they offer comprehensive protection for your business bottom-line against such crimes.
A Fidelity Guarantee is a contract of insurance and also a contract of guarantee to which the general principles of insurance apply. Fidelity Guarantee Insurance embraces policies indemnifying employers against pecuniary losses on account of forgery, defalcation (misappropriation of money), embezzlement (diversion of money to one’s use) and fraudulent conversion by employees. The object is to provide protection against losses arising out of the default of an individual acting in some capacity such as Cashier, Accountant and Store-keeper, etc.
A type of liability insurance covering directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions. In effect, the policies function as "management errors and omissions liability insurance," covering claims resulting from managerial decisions that have adverse financial consequences. The policies contain "shrinking limits" provisions, meaning that defense costs—which are often a substantial part of a claim—reduce the policy's limits. This approach contrasts with commercial general liability (CGL) policies, in which defense is covered in addition to policy limits.
Regardless of how many years’ experience your firm may have, there is always the possibility you (or one of your team) could make a mistake. Professional indemnity insurance covers against a wide range of scenarios, including:
To run your business, you need guarantees for contracts and other financial obligations. Our surety experts provide industry-leading, innovative bond consulting services. We support corporations and construction contractors with a dedicated, global network of surety specialists who know the industry and its characteristics. With our Surety, you can also replace bank letters of credit or insurance guarantees with more cost-effective surety bonds, freeing up credit capacity for other business needs.
Rubber is one of the important crops cultivated in Kampong Cham, Mondulkiri, Ratanakiri, Kratie, Preah Vihear province, and so on. The rubber plantations are exposed to perils like fire, lightning, forest fire, bush fire, flood, storm, tempest, inundation, land slide, rock slide, earthquake, drought, etc.
If you have a Rubber Plantation Insurance policy with us, we help you minimize your financial risk and can protect your plantation against:
Credit insurance protects your business from non-payment of commercial debt. It makes sure that your invoices will be paid and allows you to reliably manage the commercial and political risks of trade, resulting in safer and more strategic accounts receivable management. Trade credit insurance is a means for your business to trade confidently and with less risk.
There are many traffic accident cases occurring in Cambodia nowadays. Sometimes, even if your vehicle is parked, it is still on risk. For instance, it is lost by theft or the coconut fell down on your car and caused damage to your car’s windscreen. Who will be responsible for that cost?
If you have the insurance with us, it will become our responsibility and we will:
You can enjoy up to 20% if there is no claim made or arises. We will pay you against accidental loss or damage to your motorcycle:
Your health is your life and your wealth. If something unexpected happens to you with a serious illness – hospital expenses can quickly rack up. Individual health insurance can help prevent staggering expenses if you face a medical emergency. Major medical insurance is a type of coverage that provides benefits for a broad range of health-care services, both inpatient and outpatient. This health insurance can save you money on routine doctor's visits, prescription drug coverage, and other medical services.
Our main coverage includes:
Whether you are on a business trip or a personal trip, if something goes wrong and does not follow your plan, then it becomes a risk! It can be suddenly you got sick, lost passport, loss money or baggage, hijacking, accidental death or disablement during your trip, etc. What is your solution? Travel Insurance policy shield you 24 hours emergency medical assistance and services provided by international hotline.
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