Because insurance premiums can be substantial there are specialist institutions who will provide finance to pay the insurers which you reimburse to them over six or nine months. We can arrange this for you

This is a branch of legal liability insurance that relates to products that you manufacture, sell or supply

If you wish to claim on your insurance policy the loss or damage must be "proximately caused" by a risk that is insured. Think of a line of dominoes standing up face to face. If you push the first one it will knock over the second one and you will have set of a chain reaction. As long as the first action in the chain is covered all subsequent damage will be covered too. There are some exceptions; here you must consult us for precise advice, relevant to your situation

An insurance that protects you against your legal responsibility for injury to other people or damage to their property. There are several different policies designed to meet specific needs, business, professional and personal. They usually include legal costs related to an action against you for which your policy provides protection. We can advise you as to which one is appropriate for you

Means the private house or its contents that are insured. Common terms used by insurers include "Householders", "Homeowners" and "Coverall" Beware of the words "All Inclusive" or "comprehensive" that are often used in connection with these terms, there is no such thing as an insurance policy that can cover every eventuality. Nevertheless, locally available policies do offer wide cover

The definition varies from territory to territory but essentially describes a situation where a certain number of people are together in one place, with a common intention. Such intention being manifested in a violent manner, violent means sufficiently forceful to alarm at least one reasonably courageous person. In many legal systems, based on early English practice the "riot" has to be confirmed by the police authority, hence the expression "reading the riot act". Civil, labour and political disturbances follow the idea of a riot but are specifically related to these causes. See also "Looting"

Do not confuse this with insurance. It is the process whereby you assess all of the possible events that could interfere with your business objectives. Having identified them a plan should be conceived to deal with each. This is a complex process on which we can advise you

Part of your policy that groups the relevant information to your risk, who and what is covered and for what period

These are special arrangements for groups of people that usually provide preferential terms. They exist for life, health and motor risks and also for certain trade groupings

May be defined on the policy but the customer is always able to adopt a description that fits a particular business

This is a legal principle that does not affect the customer directly. It enables your insurer, once a claim has been settled to pursue recovery against anyone responsible, for example a negligent motorist who damaged your vehicle. Such a recovery helps to keep net claims costs and eventually premiums to a minimum

n upward, downward or lateral movement of land which causes damage to property, not normally covered on commercial property insurance, but may be offered by some household insurers. Insurers will have areas where, nevertheless, they are not willing to give cover because of regular incidents.

Means taking the property of someone else without any intention of returning it. On a property insurance policy there is normally a requirement for the act to follow violent and forcible entry to or exit from your premises. Motor policies will cover this risk but may have conditions as to the security of your vehicle

lso known as the "Average" clause. Because property insurance rating is based on the assumption that everyone insures the full value at risk, insurers take precautions to penalize those that do not do so and who do not contribute their fair share to the insurance claims fund. Remember, this fund is merely the total of all premiums that customers pay. Where you under-insure your property, any claim will be reduced by the same percentage as your amount insured bears to the actual value. If for example your property is worth J$1M and you insure it for J$500,000, and if you have a claim for J$10,000, the Insurers will pay you J$5,000. We normally remind you at each renewal that you should reconsider the adequacy or otherwise of your values insured

This is the process whereby Insurers decide whether to accept your risk and what price to charge. You are normally asked to help them in this process by completing a proposal form that groups together the relevant information about you and what you are insuring

Because the customer knows more about the risk he is insuring than the Insurers the Law requires that "utmost good faith" is observed. This means that you must tell the insurers everything about your risk that would affect their judgement in deciding whether to insure you or not and at what cost. If you conceal such a fact that is material your insurance will be invalid. When you are insuring we will help you to complete any necessary forms and discuss your situation with you. In the end it is better to disclose everything, whether or not you feel it is material and let your insurers decide

There must evidently be a volcano, which becomes active and causes damage. This would include an eruption that causes a tidal wave or sea surge, which directly leads to damage.

This term has a special meaning on insurance policies. The insurers will either require you to do or not to do something that effects the risk. For example, not to use certain flammable liquids in a process or to remove waste from a factory daily. Any failure to observe a warranty will invalidate your insurance. We will draw any such requirements to your attention when handling your insurances and check at each renewal that the circumstances are unchanged

These are items worn or carried on the person, clothing items or luggage items.