Fire & Lightning Insurance
This insurance covers the property against the risk of loss &/or damage due to Fire & Lightning only. This is the basic Fire policy.
Fire & Allied Perils Insurance
This insurance covers the property against the risk of loss &/or damage due to Fire & Lightning, perils of chemical nature, social perils, natural perils and miscellaneous perils. This is the most standard Fire policy.
Property All Risk Insurance
This insurance covers the property as per Fire & Allied Perils insurance and additionally covers accidental loss/damage. This is All Risk Policy and is available only for the selected risks.
Loss of Profit Insurance
Once the fire and/or any of the perils occurs it is likely that the business would be interrupted and owner would suffer financial losses and ultimate loss in profit. Normally Gross Profit can be protected under this cover. This policy is operative only in conjunction with Fire policy.
Home Umbrella Insurance
Our home is one of our basic necessities of our life. It is considered as extension of our personality. Protect your home from the various perils under Home Umbrella Insurance.
This policy is more comprehensive which covers the building and contents, including owner’s liability and personal accident protection. It’s a package of various risks extended to owners/residents of villa/apartment.
Hotel Plus Insurance
We offer a policy especially designed for Hotels to take care of all (This policy is designed especially for Hotels to take care of all) the possible protection which is required by the Hotel owners including loss of valuables of guests, liability of hotel owners and protection to hotel employees.
Gold Plus Insurance
We offer protection for Jewellery business for retailers, wholesalers or manufactures. It covers display in showrooms, personal carryings, sending by courier services or air freight, entrustments, exhibitions, etc.
Shops & Supermarket Insurance
The Stationers, Grocers, Cloth Merchants, Electronics, Studios, Pharmacies/Medical Shops, Supermarket and Departmental stores can be covered by Noble Insurance. It covers 11 different covers as package under this insurance. We can offer you a package covering 11 different covers.
Marine Cargo Insurance
This covers insurance for all the exports and imports and transit cover within the country by road. We can provide Open Cover facility as blanket Worldwide coverage for all the imports and exports.
Boat Insurance
We provide cover to Individual owner of pleasure craft within the country excluding the racing boats. The extended cover can be offered for Personal Effects, Personal Accidents and also cover for whilst in transit.
Marine Hull Insurance
We ensure ocean going vessels such as
Ships, tugs and barges. It takes care of loss &/or damage to ship and
third party liability. (This cover operates as per named perils under
the policy subject to exclusions.)? This cover could be extended for
War/Strikes risk depending on the prevailing situation in different
countries in the world.
P & I Insurance
(This insurance) covers the ship owners against their liability. The requirement of Every (port)/ ship? is required to have this cover prior to entering the ports for loading &/or discharging. It covers most of the risks which are historically not written under Marine Hull Insurance.
Contractor’s All Risks Insurance
GIIBC provides cover for civil works like buildings, dams and bridges. The cover granted is quite comprehensive including natural calamities. It also extends to third party liability, plant & machinery, temporary structures etc. We can issue the policy for the entire period of construction.
Erection All Risk Insurance
GIIBC covers plant and
machinery under erection. The cover normally commences from the arrival
of the materials at the site of erection and continues during storage of
the materials; erection and test run of the plant and terminates on the
commissioning of the plant. We also cover the civil engineering works,
those which are incidental to the erection of plant or machinery.
Additionally we also cover third party liability arising out of the
insured’s activities with the erection work.
Machinery All Risk Insurance
GIIBC provides indemnity to cover losses or damages to Electrical or Mechanical machinery, Process plant and equipment in factories from causes such as defects in casting and material, faulty design, bad workmanship, physical explosion, tearing apart on account of centrifugal force, short circuit, vibration, mal-adjustment, misalignment etc.
Machinery Breakdown Insurance
We provide indemnity against any
unforeseen and sudden damage to the machinery by causes such as
short-circuit, faulty design, bad workmanship, erection faults, lack of
skill, carelessness, malicious damage etc.
Contractor’s Plant & Machinery Insurance
GIIBC can provide you the coverage for Plant and Machinery items (viz., shovels, excavators, rollers and dumpers etc.) from any unforeseen and sudden physical loss or damage from any cause not specifically excluded. This insurance indemnify the insured of such loss by payment in cash, replacement or repair. The cover shall apply whether the insured items are at work or at rest, being dismantled for cleaning, in course of subsequent re-erection.
Electronic Equipment Insurance
GIIBC covers this policy covers the insured item like computers, laptop, digital cameras, video cameras etc, whether at work or at rest, being dismantled for cleaning, in course of sub-sequent re-erection. This insurance covers against material damage, loss/damage to external data and increased cost of working.
Public Liability Insurance
GIIBC can offer policy protecting not only your Company from legal liability, which may arise due to negligence and/or errors of your Management / workers but also third party property damage or Bodily injury/death.
General Third Party Liability Insurance
We provide indemnity to the insured against legal liability in the event of accidental bodily injury &/or property damage, caused by any defect in the insured’s ways, works, machinery or plant or negligence of the insured.
Workmen’s Compensation Insurance
GIIBC provides indemnity against injury, disability &/or death of any workmen whilst on work as per Labour law.
Employer’s Liability Insurance
The employer can be indemnified against the legal liability towards injury &/or disability &/or death of any workmen by Noble Insurance. This cover is normally provided as an extension under WC policy upto specified limit.
Professional Indemnity Insurance
GIIBC can provide indemnities grant protection to the professionals like architects, consultants, solicitors, accountants etc., against damages which they may be called upon to pay arising out of their professional negligence.
Products Liability Insurance
The manufacturers or sellers of goods can be protected by Noble Insurance against any compensation or damages which they may be called upon to pay as a result of accidental bodily injury or property damage caused by defective products.
Medical Malpractice Insurance
The Hospitals, Clinics, Individual Doctors can be protected by Noble Insurance against damages which they may be called upon to pay arising out of their professional negligence or malpractice.
Bankers Blanket Insurance
This policy provides indemnity for the direct financial loss of money &/or securities sustained by the insured (?) bank and discovered during the period specified in the policy.
Ship Repairers Liability Insurance
GIIBC provides protection to the ship
repairers, shipbuilders and ship maintenance companies. We cover the
liability to ship worked upon to the specified limits which would be
treated as off-shore risk and treated separately from normal liability
policies.
Haulier’s Liability Insurance
We cover damage to cargo caused by fire, explosion or accident to the carrying vehicle, arising out of negligence of the insured and/or servants and the insured is legally liable for such loss/damage.
Motor Insurance
Third Party Liability Insurance
Third Party Liability insurance is mandatory in order to register the vehicle. Noble Insurance covers liability to Third Party against Personal injury/death and/or property damage. The liability against personal injury/death is “Unlimited” whereas for property damage specific limit is prescribed.
Comprehensive Insurance
GIIBC can offer you policy which is compulsory in case of involvement of outside finance and where by both, Third Party Liability and loss/damage to own cars are covered, where value of the car is specified on the market value basis. We offer repairs at Agency &/or other garages in case of any accident.
GIIBC can provide cover to aircraft against the loss or damage, legal liability to third party and to passengers arising out to the operation of the aircraft.
Travel Insurance
If you want to travel with full protection, GIIBC can do so, we can offer you the policy covering cancellation charges, emergency medical expenses, curtailment of journey, Personal Accident, loss of passport, loss of baggage, delayed baggage and loss of money and missed departure. We can make it available for the specific number of days required for the journey and/or on annual basis. By having the Policy we can easily complete the requirement of applying for visa to all over the world.
Money Insurance
You can protect you money in transit from your premises to bank or post office or other specified places or between the insured’s premises and branch offices, we can also cover the money in safe and/or premises at specified places under the same policy.
Fidelity Guarantee Insurance
We can protect the employers against the financial loss suffered by them due to the specified dishonest acts of their employees.
Personal Accident Insurance
We are prone to the accident and all need to protect against accident. Noble Insurance can provide you protect against accident which will be available across the globe for twenty four hours.
Fire & Lightning Insurance
This insurance covers the property against the risk of loss &/or damage due to Fire & Lightning only. This is the basic Fire policy.
Fire & Allied Perils Insurance
This insurance covers the property against the risk of loss &/or damage due to Fire & Lightning, perils of chemical nature, social perils, natural perils and miscellaneous perils. This is the most standard Fire policy.
Property All Risk Insurance
This insurance covers the property as per Fire & Allied Perils insurance and additionally covers accidental loss/damage. This is All Risk Policy and is available only for the selected risks.
Loss of Profit Insurance
Once the fire and/or any of the perils occurs it is likely that the business would be interrupted and owner would suffer financial losses and ultimate loss in profit. Normally Gross Profit can be protected under this cover. This policy is operative only in conjunction with Fire policy.
Home Umbrella Insurance
Our home is one of our basic necessities of our life. It is considered as extension of our personality. Protect your home from the various perils under Home Umbrella Insurance.
This policy is more comprehensive which covers the building and contents, including owner’s liability and personal accident protection. It’s a package of various risks extended to owners/residents of villa/apartment.
Hotel Plus Insurance
We offer a policy especially designed for Hotels to take care of all (This policy is designed especially for Hotels to take care of all) the possible protection which is required by the Hotel owners including loss of valuables of guests, liability of hotel owners and protection to hotel employees.
Gold Plus Insurance
We offer protection for Jewellery business for retailers, wholesalers or manufactures. It covers display in showrooms, personal carryings, sending by courier services or air freight, entrustments, exhibitions, etc.
Shops & Supermarket Insurance
The Stationers, Grocers, Cloth Merchants, Electronics, Studios, Pharmacies/Medical Shops, Supermarket and Departmental stores can be covered by GIIBC. It covers 11 different covers as package under this insurance. We can offer you a package covering 11 different covers.
Individual Life Insurance
Life & Investment Solutions
GIIBC can offer you best suited Life Insurance and Investment Oriented Plans, conventional or unit linked, from the wide spectrum of available products in the market.
Endowment Products:
We offer various endowment products where life cover is provided for specific period and Sum Assured is paid at Maturity with accumulated Bonus.
Unique Features offered:
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Products with Family Income Benefit - In case of premature death of the Life Assured, family income is paid on monthly basis equivalent to the premium amount for the balance term of the policy where you have the facility to advance premium for a period up to five years
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Continuation of Life Cover even after maturity of the policy
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Facility to pay premium within a period of five years or in lump sum
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Product with Critical Illness rider
Money Back Products:
The installments are paid at regular intervals under Money Back Plan and balance sum assured is paid on Maturity with accumulated Bonus.
Unique Features offered:
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Product giving 120% of Sum Assured in four payouts and also Bonus on maturity
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Four payouts with three years interval for product with 15 years term
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Four payouts with four years interval for product with 20 years term
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Product with Critical Illness rider
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Facility to pay premium within a period of five years or in lump sum
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Payouts of 10% of Sum Assured till survival with five years interval
Education Products:
GIIBC provides range of different child education products for the responsible parent who wants to ensure uninterrupted education of the child by making sufficient provision today.
Unique Features offered:
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Waiver of future premiums in case of unfortunate death of Policy holder and future premiums are paid by the Insurer
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10% of Sum Assured paid as Educational Allowance in case of pre matured death or total disability of the Policy Holder
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Payment of sum assured in installment or in lump sum at selected age with bonus at Maturity
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One full Sum Assured paid in case of pre matured death apart from Maturity Benefit
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Product with Guaranteed Additions
Term Products:
GIIBC provides products covering risk with very minimum premium. In case of pre matured death of Life Assured, total Sum Assured is paid. This product is suitable for covering outstanding loan as well.
Unique Features offered:
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Product with Refund of premium
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Product with 50 % refund of premium
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Single Premium Product
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Product with Accident, Disability and Critical Illness rider
In our busy schedule heath is neglected very often and we realize the fact when we start paying heavily for medical treatment and medicines. Noble Insurance helps to provide for your Medical expenses by providing you and your family best suited product.
GIIBC e provides you the product where the life cover continues even after the death.
Unique Features offered:
- Products with nil deductibles
- Cover for Pre-existing conditions
- Most competitive rates
- Worldwide coverage with best network
The happy and contented work force is
the key factor for higher productivity and efficiency levels. Human
Resource is the real strength and asset of the organization. Thus the
responsible Employers try to keep the moral of their Employees very high
by providing benefits such as Life & Medical Cover.
Group Medical Scheme:
If you are looking for Medical Insurance Cover for your employees, Noble Insurance can you the best one in view of benefits and premiums. Please complete enclosed enquiry form and submit details as follows:
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List of employees- Name, Date of birth, Designation, details of family members (if to be included)
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Geographical Area required
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Required Sum Insured
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Any specific requirement for Network
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Optional cover required- Pre-existing conditions, Dental, Optical, Maternity
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Repatriation/Evacuation
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Deductibles
Unique Features offered:
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Wide range of Sum Assured starting from Dhs 5000 per employee
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Wide range of Geographical coverage starting from U.A.E. to Worldwide
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Minimum deductibles starting with Dhs15
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Products with various optional covers
Group Life Scheme:
Group Life Scheme is an effective tool to strengthen the employer- employee relationship and fasten the loyalty of employees. Many Voluntary Organizations and Association are also getting attracted towards this scheme because of the economical rates offered under the scheme as compared to Individual Life Insurance.
In case you are interested please complete enquiry form and submit details as follows:
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List of employees/Members- Name, Date of birth, Designation,
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Required Sum Assured
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Additional benefits required-
Death due to Accident
Total Permanent Disability (Due to accident/sickness)
Partial Permanent Disability (Due to Accident/ Sickness)
Temporary Total Disability
Medical Expenses
Repatriation
Employers Liability
Unique Features offered:
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Death due to any cause
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Group Life in lieu of Workmen’s Compensation
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Certificate for Policies issued in lieu of Workmen’s Compensation
Key Man Insurance
Keyman Insurance is an effective tool by which the organization can protect Financial Loss against the unfortunate death of key people. GIIBC can help you to find out the best suitable plan available in market as per your requirements.
Purpose of Key Man Cover:
It provides a financial cushion to the Company:
To protect loss of customer or sales
in absence of Key Man
To protect loss of an opportunity to expand in future
To protect relationship developed & managed by Key Man
Who can be Key Man:
A person having specialized skills can be considered as Key Man, whose death can cause loss to the Company.
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Directors of the Company
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Key sales people
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Key project Managers
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People with Specific skills.
Risk can be defined as the combination of the probability of an event and its consequences. In all types of undertaking, there is the potential for events and consequences that constitute opportunities for benefit (upside) or threats to success (downside).
Risk management is a central part of any organisation’s strategic management. It is the process whereby organizations methodically address the risks attaching to their activities with the goal of achieving sustained benefit within each activity and across the portfolio of all activities.
The focus of good risk management is the identification and treatment of these risks. Its objective is to add maximum sustainable value of all the activities of the organization. It marshals the understanding of the potential upside and downside of all those factors which can affect the organisation. It increases the probability of success, and reduces both the probability of failure and the uncertainty of achieving the organisation’s overall objectives.
Risk management should be a continuous and developing process which runs throughout the organisation’s strategy and the implementation of that strategy. It should address methodically all the risks surrounding the organisation’s activities past, present and in particular, future.
Our aim is to provide a unique service and approach to the insurance requirements of our clients. Our philosophy is simple but effective and is founded upon building a strong partnership between clients, the insurers and ourselves.
As an Insurance Consultant we offer:
Exposure & Coverage Analysis - Do you have the right insurance? Are the policies written to address the total /complete exposures of your business? Are the policies designed to minimize the administrative burden insurance can cause? Are your premiums in line with the current marketplace?
Bid Management - How can competitive proposals help to improve the coverage and premium? Whether agents and brokers are qualified to work on your account? How do you select the best proposal from those presented?
Claims Assistance - Is the insurance company handling your claim properly? Is the offered settlement fair based on the coverage you purchased? Is a claim denial appropriate? What coverage should have been in place?
Insurance Management Services - How do you manage the entirety of your insurance program? What needs to be considered at renewal? Should your agent provide alternative quotations? What loss control services should your insurer provide? What claims management issues need to be addressed?