Provides comprehensive cover for loss or damage to the structures being erected or buildings under construction against accidental losses to the contract works. Construction, plant, equipment and machinery.

Provides cover for loss or damage to the Insured property whilst in transit between other countries and Zambia and vice versa which are caused by “perils of the sea” (such as bad weather, sinking collision or stranding) and by theft, jettison, piracy and other similar perils. Marine losses fall in four main areas, Hull, Cargo, Freight and Marine Liability.

Provides cover for contractors’ plant and machinery on an “all risks” basis except those losses excluded under the policy.

Covers buildings, plant/ machinery/ accessories, furniture, fixture and fittings, stock-in-process, raw materials, finished goods etc, against loss or damage to fire, explosion, riot, strike, malicious damage, impact damage, flood, storm, tempest, earthquake, landslide, subsidence and other perils as named and described in the NICO General Insurance Company Limited policy wording.

Covers vehicles at three main different levels apart from the basic “ACT” cover being third party cover which pays for liability to third parties, third party fire and theft which covers in addition to the third party cover, the cost of claims arising from fire and theft of the vehicle or accessories attaching thereon, and finally the comprehensive cover which covers third party liabilities in addition to damage to the insured vehicle.

Provides ‘all risks’ type of cover on accidental loss and /or damage to electronic equipment such as computers, UPS, printers, external date media, equipment for medical use, communication facilities, equipment for research and testing material, increased cost of working etc. Breakdown losses are also covered