Customize Your Needs Insurance with GBH Insurance Agency
We understand every individual, family, and businesses have specific needs in regards to their insurance coverage. Our insurance solutions are matched to your needs and budget, options that make sense for YOU and your situation.
General Insurance
Vehicle insurance, which is also known as motor insurance or auto insurance, is a type of insurance that protects you and your vehicle against financial losses in case of an accident, theft, or natural disaster. It covers the costs of any damage or injuries caused to you or other people and their property.
Scope of Risk Coverage :
- Physical Damage and Theft Protection will free you from spending unexpected expense due to minor or major damage on you car.
- Liability Risk Protection will protect you from financial loss due to giving the third party compensation.
- Personal Accident Protection will insure you from any medical bill and provides you death compensation caused by car accident.
- Natural Disasters Protection provides ways to protect your motorcycle from natural calamites such as earthquake or tsunami.
Motorcycle insurance provides coverage if your bike, scooter, moped, ATV, or UTV is damaged or stolen as well as financial protection if you are responsible for someone else’s injuries or damages while riding.
Scope of Risk Coverage :
- Personal Accident Protection will insure you from any medical bill and provides you death compensation caused by motorbike accident.
- Third Liability Protection will protect you from financial loss due to giving the third party compensation.
- Natural Disasters Protection provides ways to protect your motorcycle from natural calamites such as earthquake or tsunami.
Property insurance products would provide comprehensive coverage either your property structure or its contents will be damaged and destroyed due to various reasons caused by such as fire, appliance malfunctions, floods and others risks.
Scope of Risk Coverage :
- Protection from Fire is where your property insurance will pay for damages to property and other losses you may suffer from a fire caused by insured’s staffs, neighbor, thief, or others.
- Protection from Lightning is where your property insurance will pay for damages to your personal property and other losses you may suffer from a lightning, especially for machines, electronics, or electricity.
- Protection from Explosion is where your property insurance will pay for damages to property and other losses you may suffer from an explosion caused by swelling of steam/gas.
- Protection from Impact of Falling Aircraft is covered any physical contact of an aircraft with the property.
- Protection from Smoke. Arising from the burning of the property insured.
Travel insurance is coverage designed to protect against risks and financial losses that could happen while traveling. The risks range from minor inconveniences such as missed airline connections and delayed luggage all the way to more serious issues including injuries or major illness.
Scope of Risk Coverage :
- Medical Protection will cover your medical care while travelling, whether you get sick, injured, or need to be evacuated, protecting you from out-of-pocket health care expenses.
- Undelightful Trip is one of risks that might occurred while you’re travelling, travel insurance will let you claim benefits such as delay flight or cancelled trip right away.
- Additional Cash Compensation will be provided by travel insurance if specific risks happen to you while travelling such as terrorism threat, credit card misuse, or excess cost for rental vehicle.
Cargo insurance is for protecting your shipments from physical damage or theft. Therefore, insuring cargo ensures that the value of goods are protected against potential losses which may occur during air, sea or land transportation.
Hull insurance offers comprehensive protection against damages to the hull, machinery, and equipment of a vessel. It safeguards ship-owners from financial losses arising from risks such as collisions, groundings, fires, and storms, ensuring the security of their maritime assets.
Cargo Scope of Risk Coverage :
- Fire or Explosion is the highest risk that might happen marine cargo might. Lessen the risk of loss or damage to your goods or conveyance with marine cargo insurance.
- Damage Caused by Sea Water, Lake, or River to your sea conveyance will cost you a lot, but with marine cargo insurance, loss expense will be covered so you away from financial loss.
- Rough Seas that cause damage to goods can be very frustrating. Keep your goods from any accident while on sea voyages with marine cargo insurance.
Hull Scope of Risk Coverage :
- CL. 280 (All Risk (Comprehensive)) Guarantees any damage, either partial or total.
- CL.284/CL.289 Total Loss.
Actual Total Loss- Vessel is wrecked or completely destroyed.
- The Insured is unable to regain ownership of the vessel
- Vessel is declared ‘lost’, i.e. not found for more than 6 months since the voyage ended
Constructive Total Loss
- The Insured cannot regain ownership of the vessel (deprived) and the estimated cost to regain the vessel is higher than the value of the vessel if the vessel can be saved
- Vessel is heavily damaged that the repair cost is higher than the insured value
Health & Life Insurance
Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.
Scope of Risk Coverage :
- Retail Health Insurance is the most common type of health insurance that you usually found. This insurance will cover general medical care such as inpatient and outpatient treatment, medicine cost, and more.
- Small-Medium Enterprise Insurance will cover medical expenses of less than 20 employees within an organization.
- Tailor-Made Health Insurance will help you create specific health care coverage that you and your hundreds of employees need.
- Personal Accident covers the risks of death, permanent disability, treatment and or medication costs which are directly caused by any accident.
Life insurance or death cover and provide a cash lump sum in the event of your death, or if you become diagnosed with a critical illness. Thus, you can include critical illness cover as part of your life cover or take it out as a separate policy.
Scope of Risk Coverage :
- Individual Life Insurance provides a lump sum of money, called the death benefit, to a designated beneficiary after your death that is caused by an accident or illness.
- Critical Illness Insurance covers serious illnesses listed within a policy. If you get one of these illnesses, a critical illness insurance will pay out a lump sum of money.
- Income Protection Insurance pays you a regular income if you can not work because of sickness or disability and continues until you return to paid work or you retire.
Miscellaneous Insurance
Engineering insurance refers to the insurance that provides economic safeguard to the risks faced by the ongoing construction project, installation project, and machines and equipment in project operation.
Type of Products
- Contractor All Risk
- Erection All Risk
- Heavy Equipment
Scope of Risk Coverage :
- Fire and Allied Perils
- Earthquake and Shock
- Collapse
- Faults in Construction
- Stroms, Floods, Cyclones, and Tempests
- Water Damage
- Negligence and Human Errors
CPM is for Contractor, Plant & Machinery insurance. Contractor’s Plant and Machinery Insurance is a tailored insurance solution for contractors and construction firms. This commercial product offers protection against any potential loss or damage to the machinery and equipment utilized in construction sites, factories, and so on. It encompasses a vast array of owned or rented equipment including bulldozers, loaders, cranes, compressors, generators, and excavators. Additionally, it provides coverage for third-party claims related to property damage or bodily injury that may occur during the policy period at the insured construction site.
Scope of Risk Coverage :
- Insured Plant and Machinery for any physical damage by any cause, Complete cover on partial or total damage to equipment or machinery(unless specifically excluded on policy condition).
- Cover for All Insured items, whether at work, rest, or being dismantled for cleaning and overhauling (unless specifically excluded on policy condition).
- Third Party Liability.
Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. And you must know that this kind of insurance is different from life insurance and medical and health insurance.
Scope of Risk Coverage :
- Risk of Death Caused by Accident. This type of insurance provides compensation if the Insured, whose name is recorded in the policy, is dead or loss caused by an accident that is covered in the policy.
- Risk of Permanent Disability caused by accident. This type of insurance provides compensation if the Insured, whose name recorded in the policy, experiences permanent disability, partially or completely, caused by an accident that is covered in the policy.
- Hospital Treatment and Medication Costs Caused by Accident (maximum 10% of the sum insured). This type of insurance provides compensation of treatment or medication reimbursement if the Insured, whose name is recorded in the policy, experiences an accident that is covered in the policy.
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