General and property insurance

Contractors’ All-Risk Policy: Covers losses or damage suffered by contractors during the construction period due to force-majeure events such as soil collapse or water wash-outs.
Fire Policy: Covers insured property against damage caused by fire.
Burglary Policy: Covers insured property against loss or damage resulting from burglary.
Cash-in-Transit Policy: Covers loss of money while it is being transported between the insured’s premises and the bank (or vice versa).
Safe Burglary Policy: Covers the insured’s safes against burglary incidents.
Fidelity Guarantee Policy: Covers loss of money from the safe caused by dishonest acts of the insured’s employees.
Personal Accident Policy: Covers the insured persons for accidental, unexpected injuries; natural death and illness are excluded.
Civil (Public) Liability Policy: Covers third-party life and property for damage caused by the insured.

How these coverages are issued

The policies are issued upon a written request sent to the company by the applicant, specifying the type of insurance and the sums to be insured. The management then conducts any necessary inspections and prepares a survey report on the items to be covered. Based on this report, the risk is either accepted or reconsidered, or the coverage terms are revised after the applicant is asked to provide certain protective measures—such as night security, fire-extinguisher cylinders, safe passageways for stored materials, and metal protections for doors and windows.

Claims

If an incident occurs under any insurance cover, the insurer must be notified within 24 hours. The following supporting documents must then be provided:

A letter from the policyholder reporting the incident
The police report / criminal‐investigation report
The final court judgment

For personal-accident claims, the same documents are required plus:

The death certificate
The Sharia inheritance certificate

Once all documents are received, the company will decide whether to pay compensation.