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Glass Insurance
This type of insurance policy covers businesses & individuals
which would indemnify them against losses caused by broken or
damaged store plate glass, auto wind screens etc., often
bundled with an existing policy. |
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Goods In Transit
It offers Gambian policyholders with insurance cover for physical
losses incurred while their goods are being moved to & from
their business premises. It includes losses while in
storage in the course of transportation. Either the owner or the
haulier can apply for this type of policy. |
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Group & Personal Accident
(GPA) This type of organisation / company policy generally pays out financial
compensation to the insured party or their beneficiaries in
cases of accident leading to physical injury, dismemberment or
death. |
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Group Life Assurance
Insurance provided under a master policy which is offered by
employers in Gambia or a fraternity to staff & members which provides for
financial benefits to beneficiaries if the insured person dies
within the covered term. |
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Home & Contents
(HOI)
Homeowner's insurance is generally property insurance
providing for coverage of residential houses. It usually
combines both property & liability which means all risks
coverage. Home contents excludes fixed items. |
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Islamic Insurance
Grounded in the term "Takaful", it is an Islamic insurance
concept which is based on Islamic muamalat (Islamic banking),
observing the rules & regulations of Islamic law. It originates
from the Arabic word Kafalah, which means "guaranteeing each
other". |
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IT Equipment All Risk
This is the modern day equivalent of machinery breakdown
insurance covering computer hardware such as laptops, monitors,
desktops as well as photocopiers, fax machines & other
information technology equipment. |
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Machinery Breakdown
This type of insurance covers Gambian firms for the costs & losses
resulting from both mechanical & electrical failure of
machinery. Examples are cash machines, bulldozers,
refrigerators, catering machines, air-conditioners. |
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Marine Hull & Cargo
Marine insurance generally covers loss or damage of cargo,
ships, port terminals such as Banjul & any movement of cargo by
which the goods are transported, held or acquired between the
port of origin & end destination. |
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