General Accident Trinidad and Tobago Logo

Phone Icon

Give Us A Call

(868) 622-8500 / 7292 / 5614

OTHER INSURANCE

OTHER INSURANCE

ACCIDENT INSURANCE

  • Accident Insurance ensures coverage of most expenses and liabilities incurred from various types of incidents.

    The policies cover expenses incurred by business from a loss of transferred goods or funds, loss that as a result from breach of trust, and theft.

    MONEY

    Many businesses are vulnerable to attacks on their money.

    Solution: The Money Policy covers for loss of  business cash from incidents of robbery and hold up.

    Policyholders are assured coverage if money/cash is lost in transit to and from the bank and between branch locations, This coverage can be available for eventualities during the opening hours of business and when your business is closed. Damage to safes and vaults is also covered.

    It must be noted that ONLY money emanating from the business is covered. Personal cash or cash from businesses other than that stated in the policy or not declared in the proposal form is not covered.

    BURGLARY

    Not many are able to replace the items within their business, if burglarised.

    Burglary Insurance provides against loss or damage occasioned by theft following forcible and violent entry into, or exit from the Insured Premises.

    GOODS IN TRANSIT

    Provide coverage for Loss of or damage to the goods of the Insured whilst in inland or inter isle transit.

    FIDELITY GUARANTEE

    Fidelity Guarantee Insurance seeks to protect organizations from loss of money, securities, or inventory resulting from fraud or dishonesty of employees.

    Common Fidelity claims arising from alleged employee dishonesty, embezzlement, forgery, robbery, safe burglary, computer fraud, wire transfer fraud, counterfeiting, and other criminal acts.

    Get more information on how to how to assess your business and what coverage to get by talking to your broker, agent, or contact any of our friendly and helpful customer service representatives!

CASUALTY INSURANCE

  • Workplace injuries are a worry for every employer.

    With Casualty Insurance, the losses caused by injuries to persons and legal liability imposed on the insured for such injury or for damage to property of others, is protected.

    Get more information on how to how to assess your business and what coverage to get by talking to your broker, agent, or contact any of our friendly and helpful customer service representatives!

    PUBLIC/PRODUCTS LIABILITY

    Policyholders are indemnified in respect of Legal Liability to Third Parties for Bodily Injury and Property Damage arising out of the insured’s operations, premises or products.

    COMPREHENSIVE GENERAL LIABILITY

    This coverage is also referred to as Umbrella Liability and can encompass the Insured’s Public, Products, Motor, Workmen’s Compensation and Employer’s Liability risks.

    MOTOR TRADERS – INTERNAL RISK

    This is a Public Liability policy for Motor vehicle garages that provide sales and service or repairs to motor vehicles. They will require in addition to their legal liability to Third Parties coverage for vehicles in their Care Custody and Control, Property being worked upon and products liability arising from the sale or supply of products used for repairs/service of Vehicles.

    WORKMEN’S COMPENSATION/EMPLOYER’S LIABILITY

    Taking care of your workers is a big consideration.

    With Workmen’s Compensation and Employer’s Liability coverage, policyholders are indemnified with respect to Legal Liability to employees for injury or illness arising out of and during the course of their employment at Common Law and in accordance with the Workmen’s Compensation Act.

ENGINEERING INSURANCE

  • Designed specifically for the needs of builders and developers, Engineering Insurance covers a wide range of engineering-related risks.

    The comprehensive insurance provides complete protection against risks associated with hardscape erection, resting, and working of any machinery, plant or equipment.

    Protect your ongoing projects, plant, machinery or electronic equipment against loss or damage.

    Get more information on how to how to classify your project and what coverage to get by talking to your broker, agent, or contact any of our friendly and helpful customer service representatives!

    CONTRACTORS ALL RISKS (CAR) / ERECTION ALL RISKS (EAR)

    The construction site can offer a lot of risks.

    The Contractors All-Risks and Erection All-Risks provide coverages for physical loss or damage (subject to policy exclusions) and can be extended to include Third Party Liability.

    It caters for buildings as well as civil works (such as roads, harbours, bridges, et cetera), the plant and equipment on the site.

    BOILER AND PRESSURE VESSEL

    Accidents happen, especially in a fast-paced place like a construction site. The Boiler and Pressure Vessel coverage caters for sudden and unforeseen damage to the insured plant from explosion and collapse.

    The coverage can also be extended to include damage to other property of the Insured or Third Parties Bodily Injury and Property Damage.

    MACHINERY ALL RISKS

    The loss of small and big machinery to any construction site can be devastating. Machinery All-Risks cover caters for loss or damage to Plant and Equipment from extraneous perils and can be written for fixed plant as well as mobile contractors’ plant.

    MACHINERY BREAKDOWN

    This cover caters for sudden and unforeseen damage to Plant and Machinery due to breakdown of its working parts. This is usually written in conjunction with a Machinery All-Risks policy.

    EQUIPMENT ALL RISKS

    Equipment is important to the proper functioning of a business.

    The Equipment All-Risks cover for desktops, laptops, telephone systems, scanners, and includes breakdown or derangement for both hardware and software.

    The cover is written on a replacement basis and the sums insured must reflect replacement costs.

    The Insured must also provide a full description and identifying numbers for all equipment.

© 2021 General Accident Insurance Company (Trinidad & Tobago) Limited