Products

Sabotage and Terrorism covers as provided for by T3 and T3a policy wordings. This Policy provides coverage for Sabotage and Terrorism and is traditionally purchased by Insured's that have these perils excluded from their Material Damage and Business Interruption placements, the Policy can be adapted to apply to Property, Liability (per T3L wording), Contingency and Construction placements.

The coverage can apply world-wide, both direct and as a reinsurance of local Insurers and we aim to compete not only against other brokers in the market but also Government pools that have been set up in various countries world-wide, but who are only offering set limits and excesses and not able to adapt to the needs of the Insured.

Sabotage, terrorism, strikes, riots, civil commotion and malicious damage covers in a combined placement as provided for by LPO437 wordings. Not only does this policy provide coverage as above but is extended to include the civil strife exposures, this policy is usually purchased in territories with emerging economies where the exposure to Sabotage and Terrorism is not usually great, with the main exposure being to civil disobedience and demonstration.

Terrorism Risk Insurance Act (TRIA). Applicable only in the United States of America with effect from November 2002, The law creates a 3 year Federal program designed to guarantee that certain terrorist related acts are covered, we offer to broaden these limited covers by offering wrap around policies and when the law is reviewed towards the end of 2005 offer a full coverage policy, in the event that the law is not renewed.

Actos mal intencionados de terceros (AMIT), Terrorismo, Sabotaje y Asonada motín conmoción civil o popular y huelga (AMCCPH). As per the comments above relating to LPO437 but specific to Latino America.

War on Land A Policy developed in the Lloyd's marine market to cover the mobile assets in war torn territories or in territories on the brink of conflict.

There is limited market for this product but it is available, with also the possibility of covering some fixed land based assets.

Personal Accident Policies for individuals or groups of employees for a range of benefits for all losses arising from their high risk occupations such as injuries and sickness. Dependant on the type of loss, our policy will respond by paying a pre-agreed benefit to compensate the injured person. This cover can include any of the following:

* Death
* Temporary Total Disability
* Permanent Total Disablement
* Medical Expenses
* Evacuations and Repatriation

Kidnap and Ransom - One of the most comprehensive policies available in the market place, our policy will provide the ransom amount; including the loss of the ransom in transit and any other incurred expenses. Policies also provide for expert negotiators (at unlimited expense) to be deployed within 24 hours after an incident to handle all aspects concerning the kidnap.

Security Chesterfield compete in all markets world-wide, which include, Latin America, Indian sub continent, Eastern block countries, Far East, Middle East, Europe and USA, we offer access to London market specialist Insurers offering security rated at a minimum of A by the major rating agencies, which include Lloyd's Underwriters and London Company markets.

We are able to offer the flexibility of loss limit policies that reflect the true exposures that Insurers and Insured's wish to protect, with capacity upto US$200,000,000 readily available.