At Sage, We offer the following Services:
A) LIABILITY INSURANCE
Personal Liability Insurance:
This type of insurance is designed for individuals and families. It provides coverage for personal injury or property damage claims made against you or your family members. If someone is injured on your property, or you accidentally damage someone else’s property, personal liability insurance can cover the associated legal and medical expenses.
General Liability Insurance:
Businesses, small or large, should consider general liability insurance. It protects against claims related to bodily injury, property damage, and advertising injury. If a customer slips and falls in your store, or if your business is accused of false advertising, general liability insurance can cover the costs of legal defense and settlements.
Professional Liability Insurance:
This coverage is for professionals such as doctors, lawyers, consultants, and real estate agents. It protects against claims of negligence or mistakes in professional services. If a client alleges that your advice or services caused them financial harm, professional liability insurance can help protect your assets. Also known as errors and omissions insurance.
Product Liability Insurance:
If your business manufactures or sells products, product liability insurance is crucial. It covers claims related to injuries or property damage caused by a defective product. If a customer is harmed by a product you sell, this insurance can cover legal expenses and potential settlements.
Umbrella Liability Insurance :
For individuals and businesses, an umbrella liability policy provides an additional layer of protection beyond the limits of other liability policies. This can be especially important if a claim exceeds your primary policy’s coverage.
Product Liability Insurance:
For individuals and businesses, an umbrella liability policy provides an additional layer of protection beyond the limits of other liability policies. This can be especially important if a claim exceeds your primary policy’s coverage.
B) PRIVATE AND COMMERCIAL VEHICLE INSURANCE
Commercial Vehicles
Covers different types of vehicles used by businesses/individuals for commercial purposes including pick-ups,school buses, lorries, trucks, tippers and heavy goods vehicles. This cover can insure vehicles used for ‘own goods’, ‘general cartage – for hire or reward’ or institutional vehicles.
Private Vehicles
These will include Saloons, Station wagons, Estates, and the large Four Wheel Drives (4X4). The key aspect of these vehicles is that they must be used for social, domestic and pleasure purposes only.
Motor Cycles
Motorcycle insurance protects you from damages and liabilities should you cause an accident while on your motorcycle.
Other Vehicles
These will include agricultural type vehicles of tractors, combine harvesters, construction vehicles of graders and shovels, to emergency response vehicles of ambulances, fire tenders etc.
C) MEDICAL INSURANCE
Health insurance policy is an assurance which provides individuals or corporate companies immediate financial help in case when any medical emergency arises. It covers medical expenses that might occur due to illness, injury or accident. If you have a health insurance policy, then some or all the medical expenses will be borne by the insurance company.
This is in form of Inpatient, Outpatient, Maternity, Dental & Optical
Some key benefits of health insurance include:
Medical Expense Coverage:
Health Insurance generally covers a range of medical expenses, including hospitalization, prescription medications, doctor visits, and various medical treatments. This coverage can help alleviate the financial burden of unexpected healthcare costs.
Preventive Care Services:
Many health insurance plans include coverage for preventive care services such as vaccinations, screenings, and check-ups. Access to preventive care can help individuals maintain their health and detect potential health issues early.
Emergency Care Coverage:
This include but not limited to ambulance services, emergency room visits, and urgent care. This ensures that individuals can receive timely and necessary care during medical emergencies.
Access to a Network of Healthcare Providers:
Healthcare insurance plans often have networks of healthcare providers, including doctors, specialists, and hospitals. This allows insured individuals to access quality healthcare services within the network, often at a reduced cost.
Financial Protection Against High Medical Costs:
Health insurance can protect individuals from the high
costs associated with serious illnesses, injuries, or chronic conditions. Through pre-negotiated prizing, it can prevent individuals from facing substantial medical bills that could lead to financial hardship
D) TRAVEL INSURANCE
This is a type of coverage designed to protect travelers from unforeseen events that may occur before or during a trip. It provides various benefits that can offer financial protection, medical assistance, and peace of mind while traveling. The key benefits of travel insurance include:
Medical Expense Coverage:
Travel insurance often includes coverage for medical expenses incurred while traveling, including emergency medical treatment, hospital stays, and medical evacuation. This coverage can be especially crucial when traveling to destinations with limited or expensive healthcare options.
Travel Delay Coverage:
Travel insurance may compensate for additional expenses incurred due to travel delays, such as accommodation during layovers, meals, and transportation, providing financial support if your trip is unexpectedly prolonged.
Emergency Medical Evacuation Coverage:
In the case of a medical emergency that requires transportation to a more suitable medical facility or back home, travel insurance can cover the costs of emergency medical evacuation.
Baggage and Personal Belongings Coverage:
Travel insurance can provide coverage for lost, stolen, or damaged baggage and personal belongings during your trip, helping to reimburse the cost of replacing essential items.
Trip Cancellation or Interruption Coverage:
Travel insurance can reimburse the costs of prepaid, non-refundable trip expenses if you need to cancel or cut short your journey due to covered reasons such as illness, natural disasters, or other unforeseen events.