Casualties/Liabilities

Third party/Public Liability

Third party liability insurance provides cover against the insured from legal liability claims presented by third parties in respect of accidental ‘bodily injury’ and ‘property damage’, caused by faulty or negligent act of workmen of the Insured or of his sub-contractors or caused due to defects in the buildings, ways, works, machinery or plant used in connection with the insured’s business. Bodily injury includes death and diseases arising from such accidents.

Product Liability

Product Liability Policies are issued to various interested parties to cover their legal liability in respect of accidental ‘bodily injury’ and ‘property damage’ in connection with the insured’s business and liabilities arising out of the manufacture or supply of products. Bodily injury includes death and diseases arising from such accidents.

Directors and Officers

The policy provides personal liability coverage for directors' and officers' liability exposure if they are sued as individuals as a result of poor management decisions, employee dismissals, shareholder grievances, and other such acts committed in good faith.

Bankers Blanket Bond (BBB)

Bankers Blanket Bond is a form of insurance designed to protect financial institutions against loss from dishonest acts of employees, burglary, robbery, or theft - both on the premises and in transit, forgery and counterfeiting, misplacement and a number of other perils particular to the finance sector.

Professional Indemnity

This type of insurance protects professional practitioners such as Architects, Quantity Surveyors, Home Inspectors, Lawyers, Physicians and Accountants against potential negligence claims made by their patients/clients. This coverage focuses on the failure to perform, financial loss and error or omission of the products or services sold. Additional coverage for breach of warranty, intellectual property, personal injury, security and cost of contract can be added.

Employee Liability

An insurance policy that protects employers from liabilities arising from disease, fatality, or injury to employees resulting from workplace conditions or practices.

Workmen’s Compensation

Workmen’s Compensation (WC) is issued to Employers to cover their legal liability to their workmen under the Kingdom of Bahrain Labour Law, for personal injuries sustained at work. The basic cover provided under the Policy is restricted to bodily injury and death arising out of employment in the Insured’s business.