The THOR Group of Companies product offering extends to:

Products

Personal insurance

To meet the specific insurance needs and requirements of being a homeowner with household goods, personal items and motor vehicles.

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Key areas of cover:
Home Dwellings, outbuilding and contents
All Risks Cover away from premises
Personal legal liability Any liability emanating from your private actions
Personal Accident Disability or Death
Motor Comprehensive/Balance of Third Party Fire & Theft/Third Party Only
Small Craft Hull, Engines and equipment

Included in every Domestic policy:
Damage to building and/or contents
Medical expenses of guests/domestic employees
Loss/Damage to guest/domestic employee’s effects
Loss of documents
Contents of refrigerators and freezers
Trauma treatment
Guarding costs
Rent payable
Veterinary expenses for Domestic animals arising from a road accident
Damage to garden

Commercial insurance

This product offering is designed to provide comprehensive cover in respect of all exposures that may affect your business not only at the premises itself but also away from the premises. One of our Brokers will consult with you personally, advise on and tailor design a product unique and best suited to your business.

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Key areas of cover:
Fire Building Combined
Office Contents Business Interruption
Theft Money
Glass Fidelity Guarantee
Goods in Transit Business All Risks
Accidental Damage Public Liability
Employers’ Liability Stated Benefits
Group Personal Accident Motor
Electronic Equipment Motor Traders
Machinery Breakdown Loss of Profits (Machinery)
Umbrella Liability Broad From Liability
Employment Practices Liability Directors’ and Officer’s Liability

Niche insurance

We also specialise in the following niche products:

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Buildings
We specialise in all types of building insurance whether standard or non-standard. Our property book consists of numerous Sectional Title & Home Owner Association properties (residential and commercial). We offer an exclusive product via a reputable blue chip risk carrier to our valued clients.
Construction/Engineering/Plant
We have a passion for this type of insurance and are proud to be associated with some of the leading contractors and plant hire companies in the country.
Marine
Our marine specialist has in excess of 40 years of experience in this field and has formed relationships and associations with numerous international underwriters. We specialise in marine cargo, hull and stock through put products. We also offer our services to numerous shipping and clearing agents.
Motor Fleets/Heavy Commercial Vehicles
We currently act as brokers for a well-known national motor vehicle rental company. We also specialise in aggregate excess and deposit premium/burning cost options.
Agri/Wildlife
Our expertise extends to include product offering specific to the needs of the farming community as a whole. We have identified the wildlife industry as a growing enterprise and have aligned ourselves with a number of niche risk carriers.
Equine
Our partner in this field has in excess of 18 years of experience and is the leading product developer of equine related insurance products. We have recently entered the race horse market and offer our unparalleled product to selective breeders, owners and trainers.
Products for high net worth clients
We have negotiated exclusive facilities with niche underwriters to cater for high net worth individuals. These products offer cover which traditionally have been omitted or have been inferior.
Leisure
We provide cover for the following items: Boats Yachts Catamarans Jet skis Windsurfers-Boards & Sails Paddle skis.
Motorbikes
Motorcycles: Road & Off Road Quad bikes.
Bicycles
Mountain & Road
Executive and classic motor vehicles
We offer unmatched tailor made cover in respect of executive, classic and exotic motor vehicles via various facilities in the local market.
Travel
We have aligned ourselves with an underwriter who offers the perfect travel insurance product, whether it be international, regional, frequent or infrequent. Cover extends to include the following benefits: Emergency Medical and related cover for illness or accidents Hospitalisation cover for pre-existing illness and Lost or stolen luggage