ValueLife Financial has a wide range of non-life insurance products to service the diverse needs of its clients:

“ValueShield” covers loses caused by fire, lightning and removal of insured property from the premises to avoid further loss. Damage resulting from water and smoke is also covered. Also known as property insurance, it is usually supplemented by extended coverage to include earthquake and earth movement. The appropriate insurances cover condominiums, houses, offices, and certain retail establishments. top

We undertake to indemnify the insured against loss, damage or liability due to an accident caused by or arising out of the use of the insured vehicle. top

Covers death, dismemberment, loss of sight, loss of income, and medical expenses caused by accidental injury. Benefits schedule is based on the type and severity of the dismemberment. Policies may be issued individually, or collectively in a group policy. top

Insures a business, usually a bank, against “all risks” of loss or destruction of money and securities other than fraud. Also covers loss of other property and damage to the premises by safe burglary and robbery. Coverage may specifically include monies in transit.  top

Written for property in transit either by land or sea. Coverage may be extended to include a hull policy, which is designed to cover physical damage and losses to the hull of a ship, or cargo insurance, which provides coverage for cargo that is being transported by truck, rail, air, ship, or boat.  top

a.		Contractor’s All Risk - Covers primarily civil works and related undertakings
b.		Erection All Risk – Provides protection primarily for electro-mechanical works
c.		Electronic Equipment Insurance – An accident insurance on an “all risk” basis for electronic data processing equipment, communication facilities, medical equipment, film and studio equipment and other miscellaneous equipment.
d.		Machinery Breakdown Insurance – Covers electro-mechanical loss or damage due to faulty design or operation
e.		Loss of Profit following Machinery Breakdown – Provides cover for the actual loss of profits sustained as a result of a business interruption caused by an accident indemnifiable under machinery breakdown insurance
f.		Deterioration of Stocks – Covers against deterioration of goods placed in cold storage due to breakdown of refrigerating machinery  top

*Contact us for more details