Fire & General Accident Department of Al Khaleej Insurance & Reinsurance Company is a composite one to handle both Underwriting and Claims together. It offers wide range of covers to protect the interest of individuals, organizations and other corporate entities including Government and Energy Sectors. This department handles all classes of Insurance (Offshore & Onshore) except Motor, Marine Hull and Aviation.

Handling both the Underwriting and Claims as one single department is one of a unique features that we understand our clients and their needs better and facilitate a coordinated approach, unlike, if the functions are handled by two separate departments. It helps us understand the client better and value their relationships.

Classes of Insurance offered by Fire & Gen. Accdt. Department are:

FIRE

GENERAL ACCIDENT

5) Workmen's Compensation Insurance. Cover for Employees in accordance with Qatar Labour Law.
6) Personal Accident Insurance. For Individuals as well as Group.
7) Group Life and Personal Accident Insurance. For groups covering Death both natural and accidental, including disablements, Medical (Accident) etc.
8) Loan Guard / Bank Borrowers Insurance. Covering Borrowers of the Banks against Death or Disability upto the outstanding loan amount in their loan account including accumulated interest amount subject to a maximum agreed limit.
9) Bankers Blanket Bond Insurance. Comprehensive cover for Banks and Similar Financial Institutions.
10) Stock Brokers Comprehensive Insurance.
11) Professional Indemnity & Computer Crime Insurance. For Financial Institutions.
12) Fidelity Guarantee Insurance. Covering loss due to any act(s) of forgery or embezzlement, larceny or fraudulent conversion committed by employees in the course of their duties.
13) Plate Glass Insurance. For accidental breakage of fixed plate glass.
14) Money Insurance. Covering Cash In Locked Safe, Cash On Counter and Cash In Transit.

LIABILITIES

15) Public Liability / Third Party Liability. Legal liability to third party covering (a) accidental third party bodily injury, fatal or otherwise (b) accidental direct physical loss of or damage to third party property.
16) Directors & Officers Liability and Company Reimbursement. Covering loss which the Directors and/or Officers shall become legally liable and loss for which the Company has, to the extent permitted to required by law, indemnified the Directors and/or Officers, resulting from a claim first made against the Directors and/or Officers, jointly or severally for a Wrongful Act taking place.
17) Professional Indemnity Insurance. For legal liability to third parties arising out of the ordinary course of the performance of the professional services by the insured in the capacity of architects, engineers, designers subject to conditions, exclusions etc. of the policy

ENGINEERING

18) Contractors All Risks Insurance. Cover is provided on 'all risks' basis for construction work subject to the exclusions under the policy.
19) Erection All Risks Insurance. Cover is provided on 'all risks' basis for erection work subject to the exclusions under the policy.
20) Equipment Insurance. For Construction Equipment i.e. own damage & third party liability (site and offsite risks).
21) Machinery Breakdown Insurance. For the Machinery in the premises.
22) Deterioration of Stock in Cold Storage Insurance.
23) Electronic Equipment Insurance. Cover is provided on 'all risks' basis for Computer Systems and Electric/Electronic Equipment subject to the exclusions under the policy.

ENERGY / OIL & GAS (Onshore & Offshore Risks)

24) Oil & Gas Field Development Project.
25) Offshore and Onshore Construction Project.
26) Offshore and Onshore Oil & Gas Installation / Property - Operating Insurance.
27) Petrochemical Construction Project.
28) Petrochemical Operating Risks Insurance.
29) Business Interruption / Loss of Profit.
30) Seepage and Pollution.
31) Cost of Well Control / Redrilling Expenses.
32) Liabilities.