Specialty Insurance

When something goes wrong with an aircraft, it can cost a fortune. It can be enough to drive an airline or aeroplane manufacturer out of business. We offer a range of quality aviation insurance policies, each designed to meet a specific set of risks.

What’s covered?

If you operate in the aviation sector, these insurance products are designed to help you navigate the unique landscape you operate in with more confidence, knowing your finances are protected.

• In-Flight insurance covers an aircraft for damage while the plane is in motion. Because most aircraft accidents happen while flying, it’s often the most expensive type of aviation insurance, as well as one of the most popular.
• Ground Risk Hull insurance: Non motion covers damages while an aircraft is on the ground and not moving. The policy includes damage from crime, natural disasters, animals, uninsured aircraft and other vehicles, vandalism, and theft.
• Ground Risk Hull insurance: In motion covers damage while the plane is on the ground and moving, paying out for damage during taxi and take-off.
• Combined Single Limit Aviation insurance includes public liability and passenger liability insurance, with a set payout limit for individual incidents.
• Public Liability insurance is usually required by law, covering damage to third-party entities and property, but not damage to the plane or the passengers inside.
• Passenger Liability insurance provides protection for passengers travelling in a plane while the policyholder is operating it, paying out for injuries and ‘final expenses’ if there’s a fatality.

No two events are the same. Whether you are arranging an outdoor wedding, festival, play, exhibition or concert, we will recommend a policy that covers your needs perfectly, whatever the circumstances.

What’s covered?

Event insurance covers every type of event, paying out if the event is delayed or cancelled, or has to be stopped because of common risks.

• Event cancellation and abandonment, postponement or curtailment, including optional protection against lost profit you expected
• Failure to vacate the venue in the timescale specified by the venue owner
• Public liability
• Employers liability
• Accidental loss or damage to property that’s either owned or hired by you or the venue
• Terrorism
• Optional non-appearance of a key speaker, entertainer or similar
• Optional enforced reduced attendance by delegates or other types of visitor
• Full terrorism cover against an act of terrorism or the threat of it

We arrange bespoke insurance solutions for people and organisations holding valuable collections of fine art and other expensive collectibles. Whether you’re a private collector or corporate collector, a dealer or gallery, a museum or even the artist, we will protect your financial interests.

What’s covered?

The cover is designed to protect financial interests against a wide range of risks:

• Cover for physical loss or damage worldwide in a range of circumstances including employee dishonesty, unexplained disappearances, terrorism, and bespoke risks tailored to your needs
• Cover if the artist dies, increasing the insured value of the art to reflect its new, higher market value
• Cover in case someone claims the art is legally theirs, not yours
• Flexible cover for collections that change and expand

Hauliers, forwarders and warehousers all have a contractual liability for loss, regardless of who is responsible for the loss. The best way to protect your business from the financial strain of a loss is to buy freight forwarders liability insurance cover.

What’s covered?

When you carry freight for a business, and the cargo is lost, stolen or damaged, your company is legally liable. While cargo owners buy marine insurance, cargo carriers and freight forwarders buy liability insurance.

• Loss of cargo
• Damage to cargo
• Any errors and omissions you are responsible for

Businesses are making efforts to cut the amount of pollution they create and do everything they can to prevent environmental damage through risks like chemical spills and poor hazardous waste management. Environmental fines are getting bigger and regulations stricter. When commercial policies don’t cover pollutions risks or don’t provide enough protection, WIP fills the gap.

What’s covered?

A dedicated Waste Insurance Program will protect your financial interests against the risks involved in causing pollution, which can cost a fortune to clear up. A relatively simple product, we can usually provide the cover you need within 3 days.

• 25 ton maximum per lorry at RM 37,500 per truck/lorry
• Removal of debris expense: RM 35,000 any one conveyance/trip with RM 150,000 in aggregate (12 months)
• Minimal paperwork, simple underwriting, fast cover
• Door to Door (Factory to Factory)
• Riot, strike and malicious damage
• Hijacking and Armed Robbery