ALPHA CHOICE INSURANCE

OUR EXPERTISE

We are specialized to handle the various insurance classes listed but not limited to this list:

Fire and Special Perils: for buildings and content

Indemnify loss or damage to the subject matter resulting from:

fire

lightning

explosion

flood, storm, riot and strike, etc.

Electronic Equipment Insurance

Covers loss or damage to electronic equipment resulting from:

Fire

Theft

Any other unforeseen physical damage

Three Basic Sections

Section I:

Physical loss or damage to the hardware e.g. Computers, etc.

Section II:

External data media inclusive of stored information in the premises

Loss of any software materials

Section III:

Increased cost of working

When the damage indemnifiable under section I gives rise to partial or total interruption of operation of the EDP

Motor Insurance

Compulsory by Law in Nigeria

Comprehensive cover protections against losses resulting from own accidental damage, fire or theft and third party property and bodily injury/death

Third party cover - protecting damage limited to 1 million naira, bodily injury or death - unlimited

Group Life Assurance

Now compulsory by law in Nigeria - Pension Reform Act 2004
Cover death in service with a minimum of three (3) times total emolument
Death from any cause on 24 hours basis

Group Personal Accident Insurance

This covers:

Death or injury by accidental means
24 hours coverage
Annual contract
Permanent/Partial Disability
Medical expenses.

Public Liability/General Third Party Liability Insurance

This form of insurance is meant to compensate a person for any legal liability which she may incur due to injury or damage to property of members of the Public.
Examples of this will include where a person slips and fall on the stair or even injury due to a faulty electrical installation.

Burglary Insurance

The policy covers loss or damage to an insured property as a result of theft accompanied by actual forcible and violent entry into and or exit from the premises where the items are kept.
Cover extends to include damage to the building in attempt to gain entry into the premises.
A limited amount could also be included for employee personal effects.
Administrative Blocks of the company located Nationwide will need to be protected against the risk of burglary