Corporate Line Services

Corporate Line Services

Comprehensive coverage designed to protect your company's assets, operations, and financial stability.

At Kinara, we understand that protecting your business is about safeguarding its future. Our Corporate Line Services offer a robust shield against the diverse risks your organization faces, from property damage and liability claims to operational disruptions. We work with you to build a resilient insurance framework that allows you to focus on growth with confidence, knowing your assets, people, and reputation are secure.

Our Corporate Line Services

1

Marine Hull & Cargo Insurance

Protects your goods during transit by sea, air, or land, and covers the vessel itself against damage.

What It’s About:

This dual-protection policy covers both the vessel carrying the goods (Hull) and the goods themselves (Cargo). It protects against perils of the sea like storms, collisions, and sinking, as well as risks like theft and damage during loading/unloading.

Why You Need It:

For any business involved in import, export, or logistics, supply chain disruptions can be financially catastrophic. This insurance is essential to protect the value of your goods and transport assets from the inherent risks of transit.

How Kinara Helps:

Our deep expertise in the logistics sector allows us to tailor policies that cover your specific routes and cargo types. We provide end-to-end risk management and efficient claims support to keep your business moving.

2

All Risk Insurance

Broad coverage for business assets against perils like fire, theft, and accidental damage.

What It’s About:

This is a comprehensive form of property insurance that covers a wide range of incidents and perils, except for those specifically excluded in the policy. It protects your physical assets such as buildings, machinery, stock, and office equipment.

Why You Need It:

Your physical assets are the backbone of your operations. An unexpected event like a fire or major theft could halt your business. All Risk insurance provides the financial security to repair or replace assets quickly, ensuring business continuity.

How Kinara Helps:

We conduct thorough risk assessments to ensure your policy has the right coverage limits and minimal exclusions. Our goal is to provide a policy so comprehensive that you can operate with true peace of mind.

3

Group Personal Accident Insurance

Compensation for employees in the event of accidental injury, disability, or death.

What It’s About:

This policy provides a lump-sum financial benefit to an employee (or their family) if they suffer an accident resulting in bodily injury, permanent disability, or death. It operates 24/7, covering employees both on and off the job.

Why You Need It:

Demonstrating a duty of care is vital for employee morale and retention. This insurance provides essential support to your team members during difficult times, reinforcing your position as a caring employer.

How Kinara Helps:

We design flexible and affordable group schemes that align with your company's budget and employee needs. Our straightforward claims process ensures your employees receive support promptly when they need it most.

4

Professional Indemnity

Covers your business against claims of negligence, errors, or omissions.

What It’s About:

Also known as Errors & Omissions (E&O) insurance, this policy protects professional service firms from bearing the full cost of defending against a negligence claim made by a client, and pays for damages awarded in such a civil lawsuit.

Why You Need It:

If your business provides advice or professional services, a simple mistake could lead to a significant financial loss for your client, resulting in a costly lawsuit. This insurance is critical for protecting your business from litigation expenses and reputation damage.

How Kinara Helps:

We understand the specific liability risks associated with various professions. We source policies that provide robust coverage for legal fees, settlements, and damages, tailored to your industry's unique challenges.

5

Fidelity Guarantee

Safeguards your business from employee fraud or dishonesty.

What It’s About:

This insurance protects your company from financial losses resulting directly from acts of fraud, theft, or dishonesty committed by your employees. It can cover the loss of money, securities, or other company property.

Why You Need It:

Internal fraud is a significant and often hidden risk for businesses of all sizes. This policy acts as a crucial internal control, protecting your company’s assets and providing a financial backstop against employee misconduct.

How Kinara Helps:

We help you implement a policy that complements your internal security measures. Our team advises on appropriate coverage levels based on your company's size, revenue, and number of employees with access to sensitive assets.

6

Oil, Gas & Marine Insurance

Specialized coverage for energy and marine industries.

What It’s About:

This is a highly specialized area of insurance covering the unique and high-value risks associated with the energy sector, including exploration, drilling platforms, transport pipelines, and liability exposures for both onshore and offshore operations.

Why You Need It:

The energy and marine industries operate with high-stakes risks, where a single incident can lead to catastrophic financial and environmental consequences. Standard insurance policies are inadequate for these complex exposures.

How Kinara Helps:

We have the specialized expertise and access to global insurance markets required to place these complex risks. We provide comprehensive solutions that cover every stage of your operations, from construction to production.

7

Plant & Machinery Insurance

Covers industrial machinery against damage or breakdown.

What It’s About:

This policy provides coverage for your plant, machinery, and mechanical equipment against unforeseen physical loss or damage. It covers events such as mechanical or electrical breakdown, malfunction, and accidental damage.

Why You Need It:

Your machinery is often the engine of your business. An unexpected breakdown can halt production, cause significant delays, and lead to major financial losses. This insurance ensures you can repair or replace equipment quickly.

How Kinara Helps:

We work with you to create a detailed inventory of your key machinery to ensure adequate coverage. Our claims support is focused on minimizing your downtime and getting your operations back up and running as fast as possible.

8

Engineering Covers

Policies protecting construction projects, contractor risks, and machinery breakdown.

What It’s About:

This is a suite of policies designed for the construction and engineering sectors. It includes Contractor’s All Risk (CAR) for building projects, Erection All Risk (EAR) for machinery installation, and Machinery Breakdown insurance.

Why You Need It:

Construction and engineering projects are complex and fraught with risks, from on-site accidents to equipment failure and third-party liability. Comprehensive coverage is essential to protect the project investment from start to finish.

How Kinara Helps:

Our team possesses in-depth knowledge of the engineering sector. We structure policies that provide seamless protection across all phases of your project, ensuring all contractors and stakeholders are appropriately covered.

9

Motor Vehicles Insurance

Comprehensive fleet coverage for all company vehicles.

What It’s About:

A motor fleet policy consolidates insurance for all of your company's vehicles under a single, easy-to-manage plan. It covers everything from sedans and trucks to specialized commercial vehicles against accidents, theft, and liability.

Why You Need It:

Managing individual policies for a fleet of vehicles is inefficient and costly. A fleet policy simplifies administration, reduces paperwork, and often provides significant cost savings compared to individual policies.

How Kinara Helps:

We analyze your fleet's usage to negotiate the best possible terms and premiums. Our dedicated fleet support team assists with claims and vehicle changes, making the management of your company's vehicles simple and efficient.

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