Services

Complete insurance solutions

United Risk Solutions understands the stresses faced by owners of large shopping malls, retail centres, office parks and residential complexes, and we shoulder a large part of that by taking care of their insurance needs.

Our experience puts us in the enviable position of knowing what it takes to cover large buildings and their associated risks, and we put together tailor-made policies that include insurance of the following:

Theft of office equipment
Unpaid rent
Personal accidents
Trustees’ indemnity
Fidelity guarantees
Internal and external glass
Employer’s liability
Machinery breakdown
Claims preparation costs

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wording.

Commercial insurance is the foundation of any business contingency plan. United Risk Solutions understands that businesses cannot stop running when photocopiers are struck by lightning or are cleared out by theft. And, to make sure the show goes on,

United Risk Solutions uses the clout of its commercial insurance expertise to bring its clients the right cover that protects against some of the following losses and events:

Loss of or damage to buildings, contents, machinery and stock-in-trade
Public liability
Goods in transit
Outstanding debit balances
Business interruption
Dishonesty or fraud by employee
Deterioration of stock
Machinery breakdown

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.

United Risk Solutions is distinctively positioned through years of experience to broker comprehensive insurance policies that provide assurance that your engineering project is protected from any eventuality. No matter the discipline – from mechanical, structural and civil, to electrical, petrochemical, nuclear and radioactive – we understand the risks associated with the field of engineering and how to put together an insurance package that means you can carry on with your engineering ventures, knowing you are covered. Our insurance solutions across disciplines includes the following elements:

Plant All-Risk (PAR)
Contract All Risk (CAR)
Erection All Risks (EAR)
External damage to mobile construction plants and machinery
PAR Indemnity
Electronic Equipment Insurance (EEI)
Loss of profits as a consequence of mechanical downtime

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.

We know you’re working hard to bring us the franchised services and products we can’t live without, but we understand that these businesses come with their own unique set of risks.

United Risk Solutions has your back and, to this end, we have specific insurance solutions for franchised businesses. Some of the elements of a bespoke brokered insurance product for franchises from United Risk Solutions are:

Accidental deterioration of foodstuff
Geyser cover
Franchise royalties in favour of head office
Extended public utilities automatic cover under business interruption
Automatic money increase in December
Automatic cover for reinstatement of data
Liability cover that automatically includes food poisoning cover
Malicious damage to property

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.

Designed to cover the resultant costs and damages from a privacy breach or a network security breach, a cyber insurance policy covers what has previously been uninsurable providing comprehensive first and third-party coverages with an expert incident response process.

Far broader than the name cyber would imply, our policy extends to cover numerous incidents including but not limited to:

Cyber extortion and malware (viruses, ransomware, or publishing of stolen data).
Denial of service (disruption to operations).
Downstream attack (a compromise of your environment resulting in damages to others).
Hacking.
Insider and privilege misuse (unauthorised access and use of systems and data by employees and service providers).
Physical theft and loss (both devices and physical hard copy data).
Threats posed by third party access into a client environment.

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.

Most people would be surprised to learn what their insurance covers, when done right. They’re, regrettably, even more surprised to learn what their insurance doesn’t cover when done wrong. And, by then, it’s often too late.

United Risk Solutions puts together one-policy personal insurance solutions for its clients that cover against almost every eventuality. Here are a few examples of what United Risk Solutions would include in the careful preparation of personal insurance policies:

Credit, debit and SIM cards
Accidental death
Goods in the open
Keys, locks and remote control devices
Guests’ property
Loss of rent
Public supply or mains electrical connection
Property owner’s liability
Accidental breakage of glass and sanitary ware
Firearms
Fire, lightning, explosion, storm, wind
Personal liability
Vehicle credit shortfall

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.

United Risk Solutions offers residents of secure estates comprehensive insurance packages that include home, household, motor and lifestyle assets insurance and which come with benefits designed especially for estate living.

United Risk Solutions clients get to select any of the following insurance options:

Theft cover for electronic and/or sound equipment and art on a first-loss basis
No alarm or burglar bar requirements
Accidental damage to buildings and/or contents caused by wild animals
Jewellery and personal items
Watch collections
Free cover for golf cart or horse box
Free car hire in the event of total loss
Personal accident cover for golf club membership fees
Hole-in-One cover
Family protection plan

Please note that this is a summary of the cover available. The full terms, conditions and exclusions of cover are contained in the respective United Risk Solutions policy wordings.