Other Insurances
Directors and Officers Liability (D&O) Insurance
One of the most discussed and least understood insurance products is Directors & Officers Liability (D&O) insurance.
Directors and Officers insurance policies offer liability cover for company managers to protect them from potential claims which might arise from the decisions and actions taken within the scope of their regular tasks and responsibilities. Such policies typically cover the liability of the Company’s Directors and Officers as individuals as well as the reimbursement of the Company in case it has paid third party claims on behalf of its managers in order to protect them.
Medical Malpractice
Medical Malpractice Insurance policies provide legal liability for claims made against healthcare professionals as well as institutions, arising out of the provision of medical services.
These policies would typically cover bodily injury, mental injury, death, illness or disease caused to any patient as well as the cost of defending lawsuits related to such claims. Premiums are normally based on the professional’s speciality.
Products’ Liability
Products Liability Insurance is a specialised product covering you against negligence which might result in either Third Party Property Damage or Third Party bodily injury, from a product that you are either manufacturing or selling.
Kidnap and Ransom
Globalisation has made the world a much smaller place. Many developing nations are experiencing fast growth which is also leading to a huge increase of both leisure and business travel to all corners of the globe, including high risk areas.
Typical clients for such insurance cover would include high net worth business men, celebrities, politicians or even contractors working in high risk remote areas.
This specialised insurance product would typically offer cover for a potential ransom pay-out but it would also
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Frequently Asked Questions
Is Business Interruption Insurance sold as a stand-alone policy?
Typically, this type of cover is not sold as a stand-alone policy, but added onto a Business Property Insurance policy or even a comprehensive business package policy.
Are there any other cover extensions?
One would typically expect a number of extensions under Business Interruption cover, such as the following examples:
- Accidental failure of public supplies of electricity and/or water to your premises
- Accidental damage to land-based public telecommunications from which your business is serviced
- Interruption of use of or access to your premises following advice by a competent authori-ty due to an emergency like to endanger life or property in the vicinity
- Closure of your premises by a competent authority due to defective drains, vermin or pests
All you need to know
Switch with VING
Most people always have doubts as to whether they are getting the right insurance cover or paying the right premium. The process of obtaining various quotations from different insurance companies in order to compare the different aspects of cover as well as premium might be too complex or time consuming, so they end up never making the switch.
This is where VING comes in – we are Insurance Brokers, and that is our job. We will obtain various quotes from different Insurers, analyse them and advise you on the various aspects of cover and premium. You will not incur any additional costs at all by using our services. We get paid by means of commissions payable by insurance companies or agencies we place business with.
When to switch
Customers normally think about switching insurance companies when their policies are up for renewal.
We advise you otherwise – you don’t have to wait – Switch to VING today.
All you have to do is appoint us as your Insurance Brokers – we will take over all your current insurance policies as well as assist you with any active claims you might have. Once your policies are up for renewal, we will obtain other quotations on your behalf and get you the best possible cover at the most competitive rates.
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