Safeguarding Property,
Energizing Confidence

Property All Risk

PROPERTY ALL RISKS (PAR)

This is a wider, more comprehensive cover which protects against accidental physical loss or damage to property, from any cause not specifically excluded.

Factories, power plants, buildings, machinery, equipment, warehouses, and stocks — PAR provides broad protection in a single policy.

Machinary Breakdown Takaful

Designed particularly for industries with high machinery concentration alongside having exposure to breakdown in addition to Fire & Allied Perils for power plants, steel, paper, cement, sugar, and other industries.

We cover operational material damage and can include Operational Business Interruption as an optional extension, ensuring machinery failure doesn’t convert into a cashflow crisis.

Business Interruption following Fire & Allied Perils

Physical damage from fire or allied perils is only one part of the loss — the bigger loss is often lost profit while your operations are shut.

The loss/damages resulting from fire or other allied perils besides causing physical loss/damage may also result in business interruption or loss of gross profit and incurring standing charges e.g. employees’ salaries, rent, electricity, etc. A business that has to close down while the premises are being repaired may lose out to its competitors. A quick resumption of business after a disaster is essential. Without business interruption Takaful, both your business and personal savings may be needed to resume or maintain the business. If these savings are not available, the business may never resume and could be forced into bankruptcy. Business Interruption Takaful covers loss of profits of a business due to reduction in the turnover caused by a loss or damage that is covered in the Fire & Allied Perils policy.

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Householder’s Comprehensive Takaful

Your home is your biggest emotional and financial investment.

This policy protects the structure + contents — including jewellery & cash (at home or in lockers) — against accidental damage from fire and allied perils, burglary, plate glass and personal liability.

Peace of mind at home — when you need it the most.

Terrorism / SRCC / Political Violence

In today’s world, terrorism and politically motivated violence can impact any business — even if you are not the direct target.

This coverage protects your assets against:

• Terrorism & Sabotage
• Strikes, Riots & Civil Commotion (SRCC)
• Malicious Damage
• Insurrection / Rebellion / Revolution
• Political Violence

Combined with Fire coverage — this ensures your business is financially protected even in severe, unpredictable events.

Home Takaful

Your home is more than just a building. It’s where your life happens. Our Home Insurance provides reliable financial protection for your house and its contents, giving you peace of mind when the unexpected happens.

This policy covers your building and household contents such as furniture, fixtures, fittings, etc. against a wide range of risks, including:

• Fire and/or Lightning
• Riot, Strike Damage
• Malicious Damage
• Burglary
• Earthquake (Fire & Shock)
• Explosion
• Storm, Cyclone and other Atmospheric Disturbances
• Aircraft Damage
• Impact Damage

The cover applies to contents located within a residential premises occupied for personal living purposes only, ensuring protection where you need it most.

With reliable coverage and responsive claims support, our Home Insurance helps you protect what matters most.

All terms, conditions and limitations apply as per our standard Fire & Allied Perils Insurance Policy and relevant endorsements.

Solar Takaful

Solar panels are a valuable investment in clean energy and long-term savings. But are prone towards loss or damage from risks like Fire, weather damage, theft and other unforeseen perils.

Our Solar Takaful Policy indemnifies you against loss or damage to Solar Panel and standard accessories resulting from:

• Fire and/or Lightning
• Riot & Strike Damage
• Burglary
• Malicious Damage
• Earthquake (Fire & Shock)
• Explosion
• Atmospheric Disturbance (Hail & Storm)
• Aircraft Damage
• Electrical Clause ‘B’
• Impact Damage

All terms, conditions and limitations apply as per our standard Fire & Allied Perils Takaful Policy and relevant endorsements.

Civil Engineering Complete Risk (CECR)

Civil Engineering Completed Risk Takaful provides coverage for sudden and unforeseen physical loss or damage to completed civil engineering projects. This includes structures such as highways, roads, bridges, tunnels, dams, and similar works after their completion.

The policy covers only material damage to the insured structures, and indemnification is limited to the reasonable cost of repair or reinstatement.

Risk Covered

Fire, Lightning, Explosion, Impact by land-borne/water-borne vehicles, Impact of aircraft, aerial devices, Earthquake, Storm, Flood, Wave action, Water damage, Subsidence, Landslide, Rockslide, Frost, Avalanche, Ice, etc.

Key Points

Losses or damages to civil engineering structures after their completion such as highways, roads, bridges, tunnels, dams, etc. are covered.

Primary Information Required

Construction specifications including location, values, materials used, maintenance routine, and surrounding conditions.