Retirement
Branch of the Year GAM 2017
March 2017
GAM Branch Of The Year
2017
Eagle Branch Blast Off
2015
Employee Benefits
Vision
Our Vision Is To Be The Preffered Branch Of Choice That Will Provide The Region With The Best Customer Centric Experience At Every Customer Touch Point.
Mission
The Eagle Branch Has a Commitment To Produce And Develop A Leading, Profitable, Dynamic, Customer Centric Organization With A Focus On Adding Value And Exceeding The Expectations Of All Our Stakeholders, Along The Insurance/Financial Services Value Chain.
Kelvin Regisford Eagle Branch (*Help Someone*) Foundation
A Non-Profitable Organization
Guardian Life Blast Off 2018
Business

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Branch of the Year GAM 2017

 

Kelvin Regisford Eagle Branch - Branch of the Year for GAM 2017

Eagle Branch Cooler Vybz 2018

Cooler vybz 2018........ This will be Lit.... don't miss out!!!!!!!!!!!!!!!!!!!


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Professional Indemnity Fund

 

 

 Professional Indemnity

 

Concept:

Professionals can be sued for Loss or Damage arising from a beach of Professional Duty (Professional Negligence)             

  • Error or Omission.

1. Clients.

2. Non Clients.

 

Coverage:

1. Damage or Loss.

2. Claimant Cost and Expenses.

3. Negligence could have happened years ago. 

 

 Professional Indemnity Policy Insurance Brokers and Insurance Agents 

Guardian General Insurance Ltd agrees to Indemnify the Insured or their Executors or Administrators against liability and cost as herein provided; such payment to be made after the amount of such liability as cost is proved. 

 

  1.  GGIL agrees to extent, provide and indemnify the insured up to but not exceeding in the aggregate the Liability Limit stated in the Schedule against legal liability for any claim or claims which are first made against them during the Period of Insurance specified in Schedule for breach of duty as Insurance Brokers or Insurance Agents by reason of any negligent act error or omission whenever or wherever committed or alleged to have been committed on the part of 

  • The  Insured 
  • the predecessors in business (unless the Insured or their predecessors be a limited liability company)
  • any person at any time employed by the Insured or such predecessors in business in the conduct by or on behalf of the Insured or such predecessors of any business conducted in there capacity as Insurance Brokers or Insurance Agents and 

 

  2. in addition to pay the costs and expenses incurred with the written consent of the Company in the defence or settlement o any such  claim provided that if the Insured's Liability for any claim is for any amount in excess of the amount of the indemnity available under this Insurance them the Company's liability for such cost and expenses shall be such proportion which the amount of such indemnity available bears to the sum required to dispose of that claim. 

 

EXCLUSIONS

This Insurance shall not indemnify the Insured in respect of any claim made against them           

  1 .Arising out of 

  • (a)  The insolvency of any Insurance Company with which the Insured has placed its clients' business 
  • (b)   The Failure to account for monies 
  • (c)   libel or slander or 
  • (d)   loss of or damage to Computer System's Records

 

  2. By Reason of any negligent act error or omission committed in the course of their activites as Managers Underwrting Agents or Underwriters of an Insurance Company group of Insurance Companies or pool of Insurers. 

 

  3. unless specifically endorsed hereon resulting from the acceptance of risks by Insured under any Contract or Authority granted to the Insured which does not requie the Company's prior consent to accept each risk other than Temporary Cover Notes. 

 

  4. Brought about or contributed to by any hishonet fraudulent criminal or malicious act or omisson of the insured or their prededessors in business as defined in paragraph 1 (b) of the Insuring Clause or any person at the time empoyed by the Insured or such predecessors in business. 

 

  5. by any Underwriter or Insurance Company by reason of any negligent act error or omisson committed in the course of their activites as Insurance Brokers or Insurance Agents unless that Under writer or Insurance Company has obtianed a judgment in competent Court against the Insured. 

 

  6. where the circumstances of which were known to the Insured prior to the inception of this insurance. 

 

  7. for which the Insured are entitled to any indemnity under any Insurance. 

 

  8. arising out of loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with nuclare energy or radioactivity of any kind including but not limited to any of the following regardless of any cause or event contributing concurrently or in other sequence to the loss                                                                                                                                                                                                                  

  •  ionising rediations or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.                
  •  the radioactive, toxic, explosive or other hazardous contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof.     
  •  Any weapon or decice empoying atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

 

  9. arising out of loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting by, resultinf from or in connection with any act of terrorism regardless of any other casuse or event contributing concurrentky or in any other sequence to the loss 

For the purpose of the endosment an act of terrorism means an act, including but not limited to the use of force or violence and/or the hreat thereof, of any person or group(s) of persons, wheather acting alone or on behalf of or in connection with any orgainsation(s) or government(s) committed for political, regligious, ideilogical, or similar purposes including the intention to influence any goverment and/or to put the public, or any section of the public, in fear. 

This endorsement also excludes loss, damage cost, or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, prventing, surpressing, or in any way relating to any act of therrorism.

If the Company alleges that by reson of this exclusion, any loss, damage, cost or expense is not covered by this policy the burden of proving to the contrary shall be upon the Insured. 

In the event that any portion of this endorsement is found to be invalid or enforceable, the remainder shall remain in full force and effect.

 

  10. arising out of any loss or damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to popular rising, military rising, insurrection, rebellion, revoluion military or usursed power, martial law, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority, or any act of any person or persons acting on behalf of or in connection with any organisation the objects of which are are to include the overthrowing or influencing of any de jure or de facto government by terrorism or by any violent means.  

 

  11. for loss, damage cost or expenses caused by, arising out of or related in any way, directly or indirectly to:                                            

  •     (a)    (i)   erasure, destruction, corruption, misappropriation, misinterpretation of "data":
  •              (ii)  erroneously creating, amending, entering, deleting or using "data";including any loss of use arising therefrom. 
  •     (b) the distribution or display of "data", by means of an Internet Website, the Internet, an intranet, extranet, or similar device or system designed or intended for electronic communication of "data".

This exclusions applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expense. 

"Data" means representations of information or concepts, in nay form. 

 

  12. for any actual or alleged liability whatsoever form any claim or claims in respect of loss or losses, damage, cost or expense directly or indirectly caused by resulting from or in consequence of, or in any way involving asbestos, or ant material containing asbestos in watever from or quantity. This exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expenses. 

 

  13. for loss, damage cost or expenses directly or indirectly causing by or contributed to by or arising from or costs and expenses arising in relation to the failure of any non-computer equipment or computer software computer media microchip intergrated circuit or similar device whether the property of the insured or not and whether occurring before during or after the year 2000

  •        (i) correctly to recognize any date as its true calendar date.
  •        (ii) to capture save or retain and/or correctly to mainipulate interpret or process any data or information or command or instruction as a result of the treating any date otherwise than as its true calendar date. 
  •        (iii) to capture save retan or correctly to process any data as a result of the operation of any command which has been programmed into any computer softwear being a command which causes the loss of data on or after the date. 
  •         (iv) relating to any change alteration or modification involving the date change to the year 2000 or any other date change including leap year calculations to any such computer system hardware programme or software or any microchip integrated circuit or similar devices in computer equipment or non- computer equipment. 

 

Professional Indemnity Policy Attorneys 

The company agrees to indemnify the Insured or their Exectors or Administrators against liability and costs as herein provided; such payment to be made after the amount of such payment to be made after the amount of such liability and cost proved. 

 

GGIL hereby agrees to the extenr and in the manner hereinafter provided

 1. to indemnify the Insured up to but not exceeding in the aggregate for all claims under this Policy the Liability Limit stated in the Schedule against any claim or claims which may be made against them or any of them during the Period of Insurance specified in the Schedule

  • for breach or professional duty as Attorneys by reason of any negligent act error or omission whenever or wherever committed or alleged to have been committed of      
    •  (a) The Insured or        
    •  (b) the predecessors in the business of the said Partnership or Firm or       
    •  (c) any person at any time employes by the Insured or such predecessors in business 

 In the conduct by or on behalf of the said Partnership or Firm or such predecessors of any business conducted in their professional capacity as Attorney and 

  • by reason of any negligent act error or omission whenever or whereever committed or alleged to have been committed of any of the persons mentioned at (a) (b) and (c) above when acting as an Executor Trustee Receiver Liquidator Director or Company Secretary provided the fees from such appointment form part of the income of the said Partnership or Firm as provided also that such claim or claims would have been covered under the above but for the fact that such person was so acting and 

 2. in addition to pay the cost and expenses incurred with the written consent of the Company in the defence or settlement of any claim provided that if a payment in excess of the amount of indemnity available under this Policy has to be made to dispose of a claim the Company's liability for such cost and expenses shall be such proportion thereof as the amount of indemnity available under this Policy in respect of that claim bears to the amount paid to dipose of that claim. 

 

 EXCLUSIONS 

 This Policy shall not indemnify the Insured against any claim

 1) for libel or slander or 

 2) brought or contributed to by any dishonst fraudulent criminal or malicious act or omsission of the Insured or predecessors in business of the said Patnership Firm or of any person at any time empolyed by the Insured or such predecessors in business or 

 3) for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with nuclear energy or radioactivity of any kind including but not limited to any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss:

  • ionizing radiations from or contamination by radioactivity from nuclear fuel or from any nuclearwaste or from the combustion of nuclear fuel.
  • the radioactive, toxic, explsive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear assembly or nuclear component thereof. 
  • any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter.

 4) For loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, contributed to be, resulting from or in connection with any act of terrorism regardless of any other caused or event contributing concurrently or in any other sequence to the loss. 

For the purpose of this endorsement an act of terrism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological, or similar purposes including the intention of influence government and/or to put the public, or any section of the public, in fear.

This endorsement also excludes loss, damage cost, or expenses or whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or relating to any act of terrorism. 

If the Company alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered by this policy the burden of proving to the contrary shall be upon the Insured. 

In the event that any portion of this endorsement is found to be invalid or enforceable, the remainder shall remain in full force and effect. 

 5) for the loss or damage directly or indirectly occasioned by, happening through or in consequence or war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil was, mutiny, civil commontion assuming the proportion of or amounting to popular rising, miliary rising, insurrection, rebellion, revolution military or usurped power, marital law, confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any government or public or local authority, or any act of any person or persons acting on behalf of or in connection with any organization the objects of which are to include the overthrowing or influencing of any de jure or de facto government by terrorism or by any violent means. 

 6) There shall be no liability hereunder in respect of any claim for which the Insured are indemnity under any other Policy. 

 7) for loss, damage cost or expenses caused by, arising out of a related in any way, directly or indirectly to:

  •  1. (a) ensure destruction, corruption, missappropriation, misinterpretation of "data":
    • (b) erroneously creating, amending, entering, deleting or using "data";including any loss of use arising therefrom. 
  •  2. the distribution or display of "data", by means of an Internet Website, the Internet an intranet, extranet, or similar device or system designed or intended for electronic communication of "data". 

The exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expenses.  

 8) for any actual or alleged liability whatsoever from any claim or claims in respect of loss or losses, damage, cost or expense directly or indirectly caused by, resulting from or in consequence of, or in any way involving asbestos, or any material, containing asbestos in whatever form or quantity. This exclusion allies regardless of any other contributing or aggravating cause or event that ccontributes concurrently or in any sequence to the loss, damage, cost or expenses. 

 9) for loss, damage cost or expenses directly or indirectly caused by or contributed to by or arising from or costs and expsenses arising in relation to the falure of any non-computer equipment or computer equipment or system for processing storing or retrieving data computer softwarecomputer media microchip integrated circuit or similar device whether the property of the Insured or not and whether occuring before during or after the year 2000

  • correctly to recognize any date as its true calendar date
  • to capture save or retain and/or correctly manipulate interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
  • to capture save retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software being a command which causes te loss of data or the inability to capture save retain or correctly to process such data on or after any date
  • relating to any change alteration or modification involving the date change to the year 2000 or any other date change including leap year calculations to any such computer system hardware programme or software or any microchip integrated circuit or similar device in computer equipment or non-computer equipment. 

Professional Indemnity Policy Accountants

GGIL agrees to indemnify the Insured or their Executors or Administrators against liability and cost as herein provided; such payment to be made after the amout of such liability and cost is proved. 

GGIL herby agrees to the extent and in the manner hereinafter provided

 1) to indemnify the Insured up to but not exceeding in the aggregate for all claims under this Policy the Liability Limit stated in the Schedule against any claim or claims which may be made against them or any of them during the Period of Insurance specified in the Schedule 

  •  (i) for breach of professional duty as Accountants by reason of any negligent act error or omission whenever or wherever committed or alleged to have been committed of 
    • (a) The Insured or 
    • (b) The predecessors in business of thie said Partnership or Firm or 
    • (c)  any person at any time employed by the Insured or such predecessors in business 

In Conduct by or on behalf of the said Partnership or Firm or sucj predecessors of any business conducted in their professional capacity as Accountants and 

  • (ii) by reason of any negligent act error or omission whenever or wherever committed or alleged to have been committed of any of the persons mentioned at (a) (b) and (c) above when acting as an Executor Trustee Receiver Liquidator Director or Company Secretary  provided the fees from such appointment form part of the income of the said Partnership of Firm and provided also that such claim or claims would have been covered under (i) above but for the fact that such person was so acting and 

 2) in addition to pay the cost and expenses incurred with the written consent of the Company in the defence or settlement of any such claim provided that if a payment in excess of the amount of indemnity available under this Policy has to be made to dispose of a claim the Company's liability for sucj cosys and expenses shall be such proportion thereof as the amount of indemnity available under this Policy in rspect of that claim bears to the amount paid to dispose of that claim. 

PROVIDED ALWAYS that the Company's total aggregate liability under the Policy shall not exceed the Liability Limit stated in the Scedule in respect of all claims whcih for the purpose of this clause shall be deemed to include all costs and expenses insurred in the investigation defence or settlement of all claims made against the Insured during any one Period of Insurance. 

 

EXCLUSIONS 

This Polciy shall not indemnify the Insured against any claim

  • (a)  for libel or slandar
  • (b)  brought about or contributed to by any dishonesty fraudulent criminal or malicious act or omission of the Insured or the predecessors in business of the said Partnership Firm or any time employed by the Insured or such predecssors in business 
  •  (c) for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, resulting frm or in connection with nuclear energy or radioactivity of any kind including but not limited to any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: 
    • (i) ionizing radiations from or contamination by radioactivity form any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel. 
    • (ii) the radioactive, toxic, exlosive or other hazardous or contaminating properties of any nuclear installation, reactor or other nuclear component thereof. 
    • (iii) any weapon or device employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter 
  • (d) for loss, damage, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from or in contributing concurrently or in any other sequence to the loss. 

For the purpose of this endosement an act of terrorism means an act, including but not limited to the use of force of violence and/or the threat thereof, any person or group(s) of person(s) or government(s), committed for political, religious, ideological, or similar purposes including the intention of influence any goverment and/or to put the public, or any section of the public, in fear. 

This endorsement also excludes loss, damage cost, or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, suppressing or relating to any act of terrorism. 

If the Company alleges that by reason of this exclusion, any loss, damage, cost or expense is not covered by this policy the burden of proving to the contrary shall be upon the Insured. 

In the event that any portion of this endorsement is found to be invaild or enforceable, the remainder shall remain in full force adn effect. 

  • (e) for the loss or damage directly or indirectly occasioned by, happened through or in consequence of war, invasion, acts of foreign enemies, hostilities or war-like operations (whether war be declared or not), civil war, mutiny, civil commotion assuming the proportions of or amounting to popular rising, military rising, insurrection, rebellion, revolution military or usurped power, martial law, confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any governement or public or local authority, or any act of any person or persons acting on behalf of or in connection with any organization the objects of which are to include the overthrowing or influencing of any de jure or de facto government by terrorism or by any violent means, 

 2) there shall be no liability hereunder in respect of any claim for which the Insured are intitled to any indemnity under any other Policy. 

 3) for loss, damage cost or exoenses caused by, arising out of or related in any way, directly or indirectly to: 

  • 1. (a) erasure, destruction, corruption, misappropriation, misinterpreation of "Data":
  •     (b) erroneously creating, amending, entering, deleting or using 'data"; including any loss of use arising therefrom
  • 2. the distribution or display of "data", by means of an Internet Website, the Internet, an intranet, extranet, or similar device or system designed or intended for electronic communication of "data". 

This exclusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or exoenses. 

"Data" means reprentations of information or concepts, in any form. 

 4) for any actual or alleged liability whatsoever form any claim or claims in respect of loss or losses, damage, cost or expense directly or indirectly caused by, resulting from or inconsequence of, or in any way involving asbestos, or any material, containing asbestos in whatever form or quantity. This exckusion applies regardless of any other contributing or aggravating cause or event that contributes concurrently or in any sequence to the loss, damage, cost or expenses. 

 5) for loss, damage cost or expenses directly or indirectly caused by or contributed to b or arising from or cost and expenses arinsing in relation to the failure of any non - computer equipement or computer equipement or system for processing storing or retrieving data computer software computer media microchip integrated cicuit or similar device whether the property of the Insured or not whether occurring before during or after the year 2000

  • correctly to recognize any date as its true calendar date
  • to capture save or retain and/or correctly manipulate interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
  • to capture save retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software being a command which causes te loss of data or the inability to capture save retain or correctly to process such data on or after any date
  • relating to any change alteration or modification involving the date change to the year 2000 or any other date change including leap year calculations to any such computer system hardware programme or software or any microchip integrated circuit or similar device in computer equipment or non-computer equipment. 

 

 

28,15,0,50,1
2,600,60,1,2000,1000,25,2000
90,300,0,50,12,25,50,1,70,12,1,50,1,0,1,5000
0,1,1,0,1,27,5,5,0,0,0,10,0,0