LANDLORDS:
Protects residential property owners in the event of damage to their property by tenants.
LEGAL EXPENSES:
Covers expenses in either pursuing or defending an action arising from disputes with customers or suppliers for the sale, purchase, hire or supply of goods or services or in defending employment contract actions brought against a company by employees or in defending any criminal prosecution made against the company, its directors or employees.
LIBEL AND SLANDER / DEFAMATION:
Legal liability for injury to the reputation, goodwill, profession, trade, business or credit of third parties in consequence of defamation, libel and slander.
LIFE ASSURANCE:
Covers an individual against death by any cause with the exception of suicide, subject to certain time constraints.
LOSS OF HIRE / STANDBY CHARGES:
Covers loss of anticipated freight earnings/income as a result of vessel being out of service.
LOSS OF LICENCE:
Is available to a person who is dependant upon a form of licence in order to earn a livelihood, eg a pilot. The insurance covers specified benefits in the event of accident or disability which results in discontinuance of the licence.