A home fire can have a devastating effect on not only the adults, but also the small ones who have seen the damage to their safe space that holds their memories.

Private Fire coverage caters for Private Dwelling Houses and/or Household Goods and Personal Effects for Fire and Lightning only. The coverage can be extended to include any or all of the specified perils we offer.

Policies can be designed to cover specified any and all specified Perils such as:

• Lightening
• Hurricane
• Windstorm
• Flood
• Explosion
• Earthquake
• Volcanic eruption
• Brushfire
• Subsidence and landslip
• Overflowing of water tanks, pipes and other apparatus

Protecting your home and its contents is as easy as getting homeowners insurance.

This type of coverage covers interior and/or exterior damage in the policyholder's house and the loss of assets, loss or damage of personal assets, and injury that arises while on the property.

The sum insured of your policy must reflect the replacement costs of your building or contents, and a valuation from an reputable valuator will provide you with this information.

A comprehensive list of All-Risk and All-Peril coverage

• Perils
  • Fire
  • Lightening
  • Hurricane
  • Windstorm
  • Flood
  • Explosion
  • Earthquake
  • Volcanic eruption
  • Brushfire
  • Subsidence and landslip
  • Overflowing of water tanks, pipes and other apparatus
• Theft
• Liability to third parties (tenants)
• Employers liability for domestics
• Loss of baggage
• Key replacements
• Spoilage of refrigerated food
• Alterations and repairs (up to 10 per cent of your sum insured on your property)
• Loss of title deeds (from an insurance peril)
• Impact damage
• Aircraft damage
• Civil commotion
• Electronic equipment (laptops, cameras), jewellery and art enjoy coverage outside the home anywhere in Trinidad and Tobago, or Worldwide. These items have to be specifically detailed with serial numbers receipts and valuations at the start of the policy. Additional coverage can be bought with a different policy or extended cover.

After the embers have been doused and the ash settled, many business and property owners are wracked with worry.

Just how do you begin to rebuild after a commercial fire?

Well, with Fire and Lightning coverage, recovery is possible.

The coverage provided can be for Fire and Lightning only or extended to include any or all of the specified perils we offer.

Types of commercial coverage

• Perils
  • Fire
  • Lightening
  • Hurricane
  • Windstorm
  • Flood
  • Explosion
  • Earthquake
  • Volcanic eruption
  • Brushfire
  • Overflowing of water tanks, pipes and other apparatus

An extension of the standard Fire and Perils policy, the Property All-Risks policy provides additional coverage such as Burglary and Accidental Damage.

For policyholders who opt for an All-Risks coverage — as opposed to a Specified Perils policy — please note that the EXCLUSIONS to cover are highlighted and they should not be viewed as the actual Perils covered.

Business Interruption cover (or Loss of Profit or Consequential Loss Insurance) enables policyholders to recover loss of profit due to an insured Risk or Peril.

This policy allows recovery from a reduction in turnover, and reasonable additional expenditure incurred,  following a material damage loss.

The Business Interruption cover exists to follow insured perils within the fire or property policy — this means that ONLY when a loss occurs on the fire or property policy, this policy will be activated.

The coverage can be extended to include auditor’s fees, payroll and increased cost of working due to the reduction in business turnover.