Our main products include:

Public Liability

Indemnity to the insured (or in the event of his death, his legal personal representatives) for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for:

1. 1. Accidental death of or bodily injury to or disease contracted by any person.
2. 2. Accidental loss or damage to tangible property happening on or after the policy commencement date within the territorial limits.

Products Liability

The amount payable under this extension inclusive of any legal costs recoverable from the insured by a claimant or any number of claimants, and all other costs and expenses incurred with the company's consent, for any one event or series of events with one original cause or source or during any one (annual) period of insurance, shall not exceed in the aggregate the limit of indemnity for this extension stated in the Schedule.

Directors and Officers liability

This policy covers directors and officers (and the Company itself where it is legally permitted to indemnify its Directors and Officers) for any wrongful acts committed in their capacity as directors and officers of the Company. The Policy is written in two sections as follows:

The Directors and Officers Liability Section indemnifies the Directors and Officers in respect of any “Wrongful Act” committed in their capacity as Directors and Officers of the Company, where the company is not permitted (either legally or by its articles of association) to reimburse them.

Employers Liability

Indemnity to the insured against legal liability under Common Law, for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for damages and claimant’s cost and expenses of litigation as well as costs and expenses incurred by the insured with the company’s written consent.

Cover provided is for bodily injury by accident or disease to employees of the insured caused on or after the retroactive date stated in the schedule within geographical limits and arising out of and in the course of employment by the insured in the Business and directly related to negligence on each of Common Law, or statutory duty by the Employer.

Professional Indemnity

Indemnity to the insured against legal liability under Common Law, for claims first made against the insured in writing during the period of insurance, which the insured shall become legally liable to pay as compensation for damages and claimant’s cost and expenses of litigation as well as costs and expenses incurred by the insured with the company’s written consent.

This policy indemnifies the Insured against any sums for which the Insured becomes legally liable to pay as a direct result of any negligent act, error, or omission made by him during the performance of his duties as a professional man/woman (e.g. engineers, architects, lawyers, accountants, etc.). Indemnity will be provided by following the limits, conditions, and activities defined in the policy. The relevant proposal form has to be completed by the client and submitted to the Insurers for proper assessment of risk.

Medical Malpractice

The APA Marine is a comprehensive insurance policy that covers goods, freight, and other interests against loss or damage whilst being transported by rail, road, sea, and/or air from the port of loading to the final destination.

It is ideal for both individuals and corporates transporting goods inland, importing or exporting like manufacturers, wholesalers, miners, and producers.