Our Products

Fire Insurance

  1. Fire & Allied Perils

This insurance provides  cover against loss or damage from fire, lightning, explosion (of domestic boilers), and other related perils.

  1. Office Combined Insurance

This insurance is designed to provide  cover on office contents as summarized below;

Section A – General Office Contents (Furniture, fixtures and fittings)

Loss of or damage arising from fire, lightning, explosion; thunderbolt, subterranean fire, riot and strike, malicious intent, storm, tempest, flood; bursting or overflowing of water tanks, apparatus or pipes, aircraft or other aerial devices or articles dropped there from, impact by any road vehicle or animal not belonging to the insured; theft or any attempt

Section B – All Risks (Office Machines & Equipment)

Loss of or damage to insured property by any cause other than those specifically excluded in the policy.

  1. House-owner’s/ Householder’s Insurance Policy

The policy provides insurance cover in the event of loss of or damage to the building arising from Fire, lightning, explosion, housebreaking, earthquake, riot & strike, malicious damage, theft or any attempt thereof, storm, tempest, flood, aircraft and other aerial devices, bursting or overflowing of water apparatus or pipes, and breakage of fixed sanitary ware

  1. Consequential Loss

This policy provides cover against loss of profit due to reduction in turnover and increase in cost of working (increase in cost of working is additional expenditure necessarily and reasonably incurred for the sole purpose of avoiding or diminishing the reduction in Turnover, which, but for that expenditure, would have taken place during the Indemnity Period in consequence of the Damage) as a result of Interruption of or interference with business carried on by the insured at the premises following loss/destruction or damage covered under the fire policy to the property used by the insured.

  1. Computers-electronic equipment

Provides cover to computers/accessories and other electronic equipment against any unforeseen and sudden physical loss or damage from any cause other than those specifically excluded.

Motor Insurance

In this category types include as follows

A) Comprehensive Insurance

Loss or Damage to the insured vehicle from accidental damage, fire and theft and/or legal liability to third parties, for bodily injury, death and property damage.

B) Full third party Insurance

Legal liability to third parties, for bodily injury, death and property damage.

C) Act only Insurance

Legal liability to third parties, for bodily injury and death only.

Other Products include;

  1. Territorial Extension cover
  2. Transit cover
  3. Motor Traders External
  4. Motor Traders Internal
  5. Comesa Yellow Card

Engineering Insurance

  1. Contractors All Risks

Policy that covers contractors against any unforeseen and sudden physical loss or damage from any natural hazards affecting civil or structural works.

  1. Contractors Plant And Machinery

Protects plant and machinery of contractors from all risks other than those specifically excluded.

Other products include

  1. Machinery Breakdown
  2. Boiler And Pressure Vessels
  3. Electronic Equipment
  4. Erection All Risks

Accident Insurance

  1. Group Personal Accident

The policy provides compensation for accidental bodily injury / death caused solely through external violent and visible means to all permanent employees of the insured and where such injury prevents the insured from performing normal duties and medical expenses.

  1. Burglary

The policy covers loss or damage to property whilst contained in the premises through forcible and violent entry into or exit out of premises. It also covers damage to premises in the course of the theft or any attempt thereat.

  1. Fidelity Guarantee

This policy covers the direct financial loss sustained by the insured as a result of fraud or dishonesty of an employee which results in the personal financial gain for the employee concerned. The loss must be discovered before 12 calendar months have lapsed or before 12 months has lapsed since the employee died, resigned or was dismissed or within 12 months since the guarantee ceased to be effective.

There are two types of cover that are available, that is Position Basis and Named Basis.

  1. Money Insurance

The policy covers loss of money in transit or on the insured’s premises including loss or damage to safe and / or strong- rooms and loss of money arising from hold up robbery or attempt thereon

  1. Public Liability

This policy covers against legal liability for all sums payable to the public for property damage and personal injury or disease arising anywhere in connection with the business.

  1. Employers Liability

This policy covers liability at law for death, bodily injury or disease caused during the period of insurance to an employee and arising out of the course of his employment and occurring within the territorial limits during the currency of the insurance period which results in a claim or claims first being made against the insured in writing during the period of insurance.

  1. Directors & Officers Liability

This policy covers the insured against their legal liability for loss/damage resulting from any wrongful act in the insured’s capacity as a Director, Officer or employee of the company except as specifically excluded.

Other products include;

  1. Professional Indemnity Insurance
  2. Personal Accident Insurance

Marine Insurance

  1. Marine Cargo
    Physical loss of or damage to insured property while in transit at sea from any cause not otherwise excluded
  2. Marine Hull
    Physical loss of or damage to various small water-crafts used for personal or commercial insured from any cause not otherwise excluded
  3. Marine Liabilities
    Legal liability to third parties, for bodily injury and property damage inclusive due to the use of small water craft for personal or commercial use
  4. Other products include
  • Aviation Hull
  • Aviation Liability

Bonds Insurance

  1. Performance Bonds

Also known as a performance guarantee or contract bond. This is a surety bond issued to guarantee satisfactory completion of a project by a contractor.

  1. Bid Security Bonds (Tender)

A bid bond is a debt secured by a bidder for a construction job or similar type of bid-based selection process for the purpose of providing a guarantee to the project owner that the bidder will take on the job if selected. The existence of a bid bond provides the owner with assurance that the bidder has the financial means to accept the job for the price quoted in the bid.

  1. Retention Bonds

Type of bond that guarantees that the contractor will carry out all necessary work to correct structural and/or other defects discovered immediately after completion of the contract, even if full payment has been made to the contractor.

  1. Advance Payment Bonds

Also called advance payment guarantee. It provides that the advanced sum will be returned if the agreement under which the advance was made cannot be fulfilled.

Taking over your risk

Top Hill General Insurance is dedicated to providing outstanding and superior insurance products that provide quality protection with value pricing. We wish to establish a successful partnership with clients, our staff members, brokers and other insurance companies that respect the interests and goals of each party.

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