B H Insurance Broker deals with all classes of General Insurance including but not limited to the following:
The most common types of commercial insurance are property, liability and workers' compensation. In general, property insurance covers damages to your business property; liability insurance covers damages to third parties; and workers' compensation insurance covers on-the-job injuries to your employees.
All risks coverage. Property insurance covering loss arising from any fortuitous cause except those that are specifically excluded. This is in contrast to named perils coverage, which applies only to loss arising out of causes that are listed as covered.
Public liability insurance covers you for the cost of a claim made by a member of the public that has suffered injury or property damage as a result of your business or a product it has supplied. This means that it protects you against the cost of compensation to be paid out, as well as the legal expenses incurred by the claims process.
Fidelity insurance taken out by an employer against losses incurred through dishonesty by employees.
This is an insurance of contractors’ plant and machinery that is done on an annual basis. It covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement. The cover, which excludes internal breakdown, applies at work, at rest or during maintenance operations and is not limited to a specific construction site.
Fleet insurance will provide liability insurance coverage for all of your company's vehicle`s in one policy. Often, these policies provide provisions to allow employees of your company to drive any vehicle in your fleet and be covered if they cause an accident.
goods in transit insurance/cover will insure goods carried in your vehicle as part of your trading activities, covering both your own supplies (e.g. building materials) as well as other peoples (e.g. packages). With goods in transit insurance you will rest safe in the knowledge that should your goods be lost, stolen or damaged in any way whilst in transit you won't have to foot the bill (subject to the terms and conditions of the policy wording).
Covers property damage following a terrorist attack and act of political violence.
Workers' compensation & Employer’s Liability is a form of insurance providing wage replacement/compensation and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer for the tort of negligence.
Professional indemnity insurance, often referred to as professional liability insurance or PI insurance, covers legal costs and expenses incurred in your defense, as well as any damages or costs that may be awarded, if you are alleged to have provided inadequate advice, services or designs that cause your client to lose money.
This policy offers comprehensive and adequate protection against all the risks involved in the erection of machinery, plant and steel structures of any kind, as well as third-party claims in respect of property damage or bodily injury arising in connection with the execution of an erection project.
Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which the property is transferred, acquired, or held between the points of origin and the final destination.
If you are a Bank, financial institute, investment manager or a Money Exchange House, this is the correct insurance policy for you. It is specifically designed to cover risks associated these business segments. Other Package Policies – We offer similar packages specially designed for specific segments like Hotels, Restaurants, Shops, Spas, and Saloons etc.
Business interruption insurance compensates you for lost income if your company has to vacate the premises due to disaster-related damage that is covered under your property insurance policy, such as a fire etc.
Money means and includes cash, bank drafts, currency notes, treasury totes, cheques, postal orders and current postage stamps. The policy covers: loss of money in transit, by the Insured or the Insured's authorized employee(s), Money placed at premises, occasioned by robbery, theft or any other fortuitous cause.
This cover offers comprehensive and adequate protection against loss or damage in respect of the contract works, construction plant, equipment and machinery, as well as against third-party claims in respect of property damage or bodily injury arising in connection with the execution of a construction project.
MBD provides effective insurance cover for plant, machinery and mechanical equipment at work, at rest or during maintenance operations. It covers unforeseen and sudden physical loss of or damage to the insured items, necessitating their repair or replacement.
Marine hull Insurance is basically the insurance of all types of vessels including (Motor tankers, Bulk Carriers, Combe Vessels, Yachts, Pleasure boats etc), and covers loss to Hull i.e. Structure of Ship and Machinery as well.