General Products

NIC General Insurance Products

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NIC General Products

Trusted General Insurance Products

Securing what matters most—today and tomorrow

Travel Insurance

This policy is designed to provide financial protection and peace of mind while travelling locally or internationally. It safeguards the insured against unforeseen events that may occur

Motor Insurance Cover

Designed to protect the insured against loss of or damage to their vehicle, as well as liability for damage to third-party property, bodily injury or death arising from traffic accidents.

Fire and Special Perils

This policy Indemnifies the insured for accidental physical loss, destruction or damage to the property insured by any cause other those specifically excluded occurring within the geographical area specified at any time

Industrial All Risk Cover

It is an all-risks policy covering a broad range of perils, including fire, lightning, explosion, riot, strike, malicious damage, storm, tempest, flood, earthquake, burglary and accidental damage.

Group Personal Accident

This policy provides compensation to employees, their families, or organized groups against accidental death or bodily injury, in accordance with the benefits specified in the policy and liability under the Workers Compensation Act, Cap 225 (2000)

All Risk Cover

This policy provides cover against accidental physical loss, damage, or destruction of property described in the schedule arising from any peril not specifically excluded under the policy.

Workers Compensation

This cover provides compensation against accidental death, bodily injury, Illness or disease to employees arising out of and in the course of employment.

Theft / Burglary

This policy covers against the risk of loss or damage to the insured property whilst on the premises as a result of theft following actual forcible and violent entry or exit from the premises.

Public Liability

This policy covers business establishments exposed to liability consequent upon accidental death, bodily injury or illness of any person, accidental loss and physical damage to tangible property

Computer / Electronic Equipment

This Is an all-risk policy covering sudden, unforeseen physical damage, breakdown, theft, fire to computers, servers and specialized devices. It protects against Fire, theft, natural calamities and electrical breakdown.

Professional Indemnity

This policy protects businesses and professionals from financial loss, legal costs, damages arising from claims of negligence, errors, and omissions while providing professional services or advice

House Owner / Holders

This policy protects owners of private dwelling houses against loss of property e.g buildings, fixtures, fittings caused by fire, covers the insured’s building, fixtures, fittings, contents, jewellery and valuables, as well as public liability benefits.

Money

This policy is designed to protect businesses or organisations against the financial loss of cash and other monetary instruments due to theft, robbery and burglary.

Goods in Transit (Inland Transits)

This policy covers loss or damage to insured goods whilst in transit on land by any vehicle ,train, inland waterway including loading and offloading, against loss or damage by fire, lightning, theft and accidental means.

Bonds

Traditionally, bonds have been issued by banks however, insurance companies are now widely recognized in Uganda as approved providers of bonds and guarantees.

Machinery Breakdown

This policy provides comprehensive cover to the insured machinery against sudden and unforeseen physical loss or damage that requires repair or replacement. The cover applies to damage arising from fortuitous working accidents occurring during normal operations.

Marine Insurance

This covers raw materials or finished goods from damage or loss of the goods while in transit due to mishandling or other forms of damage like accidents, explosions, impact fires, theft, malicious damage and strikes, riots and civil commotion

Contractors All Risks

This covers damage to insured property due to sudden, accidental and unforeseen causes. In addition, it also covers liability for third party claims for injury and death or damage to third party property.

Erection All Risks

EAR Insurance is another kind of engineering insurance policy which covers material damage and third party liability during erection and installation of Plant and Machinery.

Aviation Liability Insurance

Aviation Liability Insurance provides financial protection against legal liabilities arising from the operation of an insured aircraft. It is designed to safeguard aircraft owners and operators from claims made by third parties and passengers following an aviation accident.

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