Homeowners Insurance


Homeowners insurance provides financial protection for your home and personal property. Coverage under your homeowners policy extends to not just physical structure of your home, but also includes: 

  1. Loss or damage to your home, including fire, vandalism, theft and some natural disasters
  2. Replacement of personal property- home furnishings, clothing and household items
  3. Cost of alternative housing while your home is being repaired
  4. Liability coverage arising for accidental injuries
    that occur on your property
  5. Homeowners receive both property and liability
    coverage conveniently in one package 


Credit Insurance

Covers 2 types of risks –

  1. commercial and political risks.
  2. Insolvency of the buyer
  3. Non-payment by the buyer

Surety Bonds

  1. Bid Bond: Provides financial protection to the owner if a bidder is awarded a contract but fails to sign the contract or provide the required performance and payment bonds.
  2. Performance Bond: Provides an owner with a guarantee that, in the event of a contractor’s default, the surety will complete or cause to be completed the contract.
  3. Payment Bond: Ensures that certain subcontractors and suppliers will be paid for labor and materials incorporated into a construction contract.
  4. Warranty Bond (also called a Maintenance Bond): Guarantees the owner that any workmanship and material defects found in the original construction will be repaired during the warranty period.

Trade Finance

An exporter of goods runs the risk that they are never paid for goods that are shipped. To eliminate that risk they can require pre-payment, but that shifts the risk onto the importer.
Overseas trade also comes with inherent risks, for example, exchange rate fluctuations, legal issues, language differences and the potential for political instability. Furthermore, it’s trickier for parties to evaluate the credit risk of their counterparts when they’re based overseas.
Trade finance steps in to guarantee payment and shipment, provided certain conditions are met.