Our Work Injury Benefits Act (WIBA) cover provides for compensation to employees for work related injuries and diseases contracted in the course of their employment.

  • Medical Expense benefit

  • Death Benefit

  • Temporary Total/Partial Disablement Benefit

2.Employers Liability

Employers Liability Insurance policy provides cover against bodily injury by accident or disease to employees arising out of and in the course of their employment and directly related to negligence or breach of common law or statutory duty by the employer.

3.Product Liability

Umma Insurance Product Liability Insurance policy provides cover against legal liability in respect of:-

  • Accidental death of or bodily injury or disease contracted by any person,

  • Accidental loss of or damage to tangible property arising from

  • Anything harmful or defective in any products manufactured, assembled, processed, modified, repaired, serviced, altered, labeled, handled, sold or supplied by or through the Insured in the course of or in connection with the insured’s business.

  • The defective condition of the containers of such products

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4. Carriers Liability

This policy covers and indemnifies a carrier against their legal liability for actual and physical loss of or damage to goods or merchandise directly caused by fire and or accident to the vehicle registered under the number stated in the schedule whilst such goods or merchandise are actually transported in the said vehicle on condition that:

  • Fire or accident has arisen on account of negligence of the insured.

  • Such damage or loss has been caused due to negligence or criminal acts of the insured’s servants.

  • That the vehicle is damaged by fire or explosion or accident.

  • That a claim in respect of the motor vehicle thereof is admitted under motor comprehensive insurance policy covering the vehicle.

5.Public Liability

Our Public Liability cover protects an insured person or organization against their legal liability to members of the public (third parties) arising from;

  • Death or bodily injury to third parties

  • Loss of or damage to third party property

Arising out of and in the course of the insured’s normal business within the premises or a defined geographical location. The policy will also cover the costs of defending any suit brought against the insured (defence costs), in addition to any award that may be made against the insured by a court of law

6. Professional Indemnity

We have a tailored PI insurance cover for professionals who provide advice or services to their customers. It protects you against legal costs and loss from a claim of alleged negligent acts, errors or omissions in the performance of your professional services.

We cover a variety of professionals in various fields such as: doctors, lawyers, accountants, engineers to name a few.

We shall cover you against the following: court judgment awards, defence costs, fees and expenses, loss of documents.

7.Directors and Office Liability

Cover against loss resulting from any claim during the policy period for any wrongful act in the insured’s capacity as a director, officer or employee of the company.

Motor Insurance

Our comprehensive insurance plan aims to protect you against all sort theft, physical damage to the car, bodily injury of the passenger of the car and in addition to this; it also covers third-party liability.