Client Offerings

Personal Lines

Saico Industry
Yacht Insurance [More...]
Yachtmaster Policy
This is a policy specifically designed for pleasure boats. We give a more tailor-made cover for the requirements of these smaller boats, typically valued at less than $500,000, to reflect the different risks that they present. Third part liability cover is included in this policy.
 
Yacht Policy
This policy is designed to cater for larger yachts of at least $500,000 in value. For yachts of this size we feel that a bespoke underwriting approach is required in order to offer you the best solution to your requirements. The policy we use for this cover is based on the Institute Yacht Clauses, which provide the worldwide standard for such vessels.
 
Home insurance
Householders' Comprehensive Insurance [More...]
  • Buildings: We provide "all risks" cover which means we cover your building against physical loss or damage subject to policy exclusions.
  • Contents: We provide comprehensive cover for theft, storm and accidental damage. Up to sub limit
  • Neighbours Liability: We provide cover for up to the policy limit
  • Tenants Liability: Cover of any liability you incur to tenants at the property should you rent it
Home insurance
Variety Insurance Policy [More...]
  • Loss or Damage to buildings
  • Contents of household cover
  • Cover for Servants goods
  • Compensation for Fatal Injury
  • Removal cover – covering loss or damage to your property whilst being moved professionally
  • Landlords Liability up to policy limit
  • Neighbours Liability up to policy limit
  • Personal Liability covering your legal liabiltities anywhere in the Arab world up to the policy limit
  • Personal Accident cover for accidental death or disability up to the policy limit
  • Workers Compensation cover for liabilities in respect of injury to domestic servants up to the policy limit
Motor insurance
Motor insurance [More...]
Motor Insurance Covers include:
 
  • Comprehensive cover for your vehicles: A policy that offers a cover for both the damage caused to your car, as well as damage to other vehicles which you have caused
  • Third Party Liability Cover: This cover is compulsory by law in many of the countries in which operate.
  • Policy options offering different levels of benefits
  • Roadside Assistance and Car Replacement available
  • GCC cover available
  • Special Product for Prestige Vehicles: We recognise that insuring Prestige or High Value cars requires a different approach to normal. We can offer cover for such vehicles on a bespoke basis, to ensure that you get the best product to meet your requirements.
  • Discounts available for insuring multiple vehicles with us: We recognise that many people have more than one car. We can guarantee that if you come to us and insure 3 or more cars we will offer a substantial discount on the price we would charge for just one vehicle.
  • Experienced claims team

 

Travel insurance
Individual Insurance and Group Insurance [More...]

We can offer the same benefits both for individuals travelling independently and groups travelling together

  • Cover Worldwide or just Schegnen countries
  • Medical Expenses up to $150,000 (depending on policy)
  • Repatriation of family
  • Personal assistance including delivery of medicines, advance of bail bonds and legal defense
  • Loss of passport, driving license, etc
  • Loss of baggage
  • Personal Accident

 

Personal accident
Individual Insurance and Group Insurance [More...]

Personal Accident Insurance

  • Cover for Accidental Death
  • Cover for Restricted Permanent Disablement
  • Cover for Permanent Total Disablement
  • Cover for Temporary Total Disablement
  • Cover for Medical Expenses incurred

We offer this cover both for individuals and for corporate groups

Limits to suit your requirements

Commercial Lines

Saico Services, Brokers Services
MARINE

Our Marine team is supported by a Global service team that specializes in coordinating global programs. We possess strong knowledge of insurance legislation, international marine practices and have a proven expertise in handling all types of marine business. The classes of business we handle include;  

  • Cargo
  • Hull and Machinery
  • War Risks
  • Loss of Hire and other Business Interruption Covers
  • Protection and Indemnity
  • Charterers Liability
  • Ship Repairers, Stevedores and Wharfingers Liability
  • Port and Terminal Operators
  • Building Risks New and Conversion
  • COFR Guarantees
  • Kidnap and Ransom and risks associated with piracy
  • Finance, Credit and Political Risks
  • Fine Arts
Industries
Agriculture [More...]

The agricultural sector has multiple insurance needs and we look too provide a comprehensive solution to them. From crops to livestock, from buildings to machinery, from shipments of your commodities to your liabilities to yourself, your staff and third parties,  we can offer the insurance product needed. We even work with leading markets to be able to offer protection against adverse weather or crop shortfall.

Our solutions include:

  • General Property
  • General Casualty
  • Marine
  • Livestock
  • Crop-shortfall Solutions
  • Weather Risk Solutions
  • Motor Insurance
  • Life 
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Natural Resources [More...]

The Natural Resources area comprises energy and mining activities. Energy businesses include on and offshore oil and gas, nuclear energy and alternative energies  such as wind farms and solar power. We can also provide protection for mining operations. We look to provide solutions for all of your risk needs  whether for physical assets, loss of revenue, liabilities or in respect to your staff.

Our solutions include:

  • Property – Onshore and Offshore
  • Casualty
  • Environmental Liability
  • Life  
  • Motor 
  • Marine
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability 
Industries
Engineering and Construction [More...]

In a region developing as rapidly as the Arab world, vast amounts of construction work is taking place.  We offer solutions for both Contractors and Principals in order that your risk on such projects is contained within your own organization's tolerance. 

Our solutions include:

  • Contractors All Risks
  • Erection All Risks
  • Third Party Liability
  • Contractors Plant and Equipment
  • Machinery Breakdown
  • Delay in Start up
  • General Property
  • General Casualty
  • Marine 
  • Motor 
  • Life
  • Medical
  • Workers Compensation
  • Employers Liability
Industries
Food and Beverage Industries [More...]

The food and beverage industries have a number of different risk transfer requirements. In particular liabilities can present a challenge to the company. In addition many manufacturing operations in this industry suffer from bottlenecks in this process and consequently a small physical loss can result in a large economic one. Our products cushion your finances against such an event.

Our solutions include:

  • Property
  • Casualty
  • Product Liability
  • Life
  • Motor 
  • Marine 
  • Medical
  • Professional Liabilities
  • Personal Accident
  • Workers Compensation
  • Employers Liabilities
Industries
Healthcare [More...]

Premier Plan

This plan is designed for groups of two or more and covers both in-patient and out-patient benefits. This includes acute and chronic conditions, primary care, maternity coverage, congenital abnormalities, and emergency services. 

Premier Plus Plan

The Premier Plus Plan is designed for groups of two or more and covers both in-patient and out-patient benefits. This includes acute and chronic conditions, primary care, maternity coverage, congenital abnormalities and emergency services. This plan also includes Wellness Benefits such as physical examinations, screening, mammograms, etc. 

Middle East Level Two Plan

This plan provides coverage for in-patient benefits including acute and chronic conditions, primary care, and emergency services. Middle East Level Two also offers full out-patient benefits* including Well Child Tests and Adult Travel Vaccinations with the flexibility of offering optional physical examinations.*Excesses do apply. 

Middle East Level Three Plan

This plan provides coverage for in-patient benefits including acute and chronic conditions, primary care, and emergency services. Middle East Level Three offers full out-patient benefits* including increased limit for the Maternity benefit, Well Child Tests, and Adult Travel Vaccinations with the flexibility of offering optional physical examinations. *Excesses do apply. 

Dental Extra

investigative and restorative dental treatmentorthodontic treatment paid up to 50% (includes dependant children under the age of 18). 

Dental Extra Plus

investigative and restorative dental treatmentorthodontic treatment paid up to 50% (includes dependant children under the age of 18) with enhanced limits

Vision Extra Plan

One examination per year 

Additional expenses for lenses to correct vision, eyeglass frames and prescription sunglasses 

Industries
Life Science Industries [More...]

Life Science industries primarily consist of biotechnology and pharmaceutical industries. These industries present a variety of different risks from property to manufacturing, from liabilities to loss of income.

Our solutions include:

  • Property
  • Casualty        
  • Life
  • Motor 
  • Marine
  • Professional Liabilities
  • Medical
  • Personal Accident
  • Workers Compensation

 

Industries
Manufacturing Industries [More...]

We offer a range of solutions for companies engaged in Manufacturing industries. Manufacturing Industries include any organisation taking materials to create a finished product, with all of the attendant risks associated. 

Our solutions include:

  • Property
  • Casualty
  • Motor 
  • Marine
  • Life
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Professional Services [More...]

We offer a range of solutions for companies engaged in Professional Services. This include professions such as Accountants, Lawyer, Architects, Engineers, Insurance Brokers, etc. Although such companies often have the full range of exposures to a greater or lesser extent, a major exposure nearly all face is professional liabilities, where they are sued for providing unsuitable advice to their client.

Our solutions include:

  • General Property
  • General Casualty
  • Motor fleets
  • Professional Indemnity
  • Life
  • Marine
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability 
Industries
Real Estate [More...]

We offer a range of solutions for companies whose business is real estate ownership and management. This may well include managing properties for third parties. The risks such organisations face are diverse and need to be considered carefully. 

Our solutions include:

  • Property
  • Casualty       
  • Life
  • Motor 
  • Marine
  • Professional Liabilities
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Retail and Consumer Services [More...]

We offer a range of solutions for companies whose business is retail management and consumer services. This includes both wholesale distribution outlets and retail outlets and associated business, such as warehouses,  shopfitters, supplies, etc.

Our solutions include:

  • Property
  • Casualty      
  • Life
  • Motor
  • Marine 
  • Professional Liabilities
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Schools, Municipalities and Public Bodies [More...]

We offer a range of solutions for Public Bodies including schools and municipalities. Many of the government  owned institutions  have substantial assets and it is often more economical for them to find a solution to transfer these risks. Additionally, many schools are privately-owned and therefore insurance is an essential mechanism for them. 

Our solutions include:

  • Property
  • Casualty
  • Life
  • Motor 
  • Medical
  • Professional Liabilities
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Technology [More...]

Technology companies can mean a number of different businesses. We view it as those companies engaged in the hi-tech manufacture of products such as micro-chips, computers, telecommunications. These industries present certain specific and unique risks which we can provide a solution for.

Our solutions include:

  • Property
  • Casualty
  • Life 
  • Motor 
  • Marine 
  • Professional Liabilities
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability
Industries
Transportation [More...]

We offer a range of solutions for Companies engaged in the transportation activities. We include broad range of companies in this sector. These include shipowners, freightfowarders, shipping agents, hauliers, trucking companies.

Our solutions include:

  • Property
  • Casualty
  • Freightfowarders Liabilities
  • Hauliers Liabilities
  • Life
  • Motor
  • Marine
  • Medical
  • Personal Accident
  • Workers Compensation
  • Employers Liability 
Solutions
General Property [More...]
  • Property “All Risks” Cover
  • Property “Limited Conditions” Cover
  • Business Interruption Cover
  • Contingent Business Interruption Cover
  • Machinery Breakdown Cover
  • Business Interruption following Machinery Breakdown
  • Equipment
  • Electronic Equipment
Solutions
General Casualty [More...]
  • General Third Party Liability
  • Pollution Liability
  • Public Liability
  • Employers  Liability
  • Workers Compensation
  • Premises Liability
Solutions
Accident and Health [More...]
  • Personal Accident
  • Medical Insurance
Solutions
Engineering [More...]
  • Contractors All Risks Insurance
  • Erection All Risks Insurance
  • Machinery Breakdown Insurance
  • Third Party Liability
  • Contractors Plant and Equipment
Solutions
General Accident [More...]
  • Fidelity Guarantee
  • Money Insurance
  • Cash in safe
  • Cash in Transit
  • Plate glass Insurance
Solutions
Professional Liability [More...]
  • Professional Indemnity
Solutions
Marine [More...]
  • Marine Hull
  • Marine Cargo
  • Inland Transit
Solutions
Motor [More...]
  • Commercial Motor Fleets
  • Comprehensive Cover
  • Third Party Liability Cover
  • Plant and Equipment