Institutional Corporate Insurance
& Risk Protection

Physical assets represent the tangible backbone of enterprise operations. Fire & Special Perils insurance protects commercial properties, manufacturing facilities, warehouses, and stored inventory against devastating loss caused by fire, lightning, explosion, storm, flood, aircraft damage, and civil commotion. Turboserv structures policy valuations to ensure zero under-insurance penalties, securing full replacement value when disaster strikes.

Global supply chains face sea perils, piracy, container damage, and port delays during international transit. Our Marine Cargo policies protect raw materials, machinery, and finished goods shipped via sea, air, or multimodal routes against physical damage, jettison, or total loss. We structure Institute Cargo Clauses (ICC 'A', 'B', or 'C') tailored to your import-export contracts and letter-of-credit requirements.

In-country logistics and overland cargo transport expose inventory to collision, overturning, theft, and highway robbery. Goods-in-Transit insurance indemnifies your commercial freight while being moved by owned fleets or third-party haulers nationwide. Turboserv provides continuous transit cover with flexible open-cover policies that automatically protect all dispatched shipments.

Modern industrial and commercial operations rely heavily on complex mechanical, electrical, and electronic installations. Engineering Insurance provides specialized cover for sudden internal machinery breakdown, electrical short-circuiting, boiler explosion, and computer hardware destruction. We ensure swift technical loss adjusting and repair authorizations to minimize expensive plant outages.

Large-scale civil engineering, real estate, and infrastructure projects carry immense site risks. Contractors' All Risks insurance protects principal developers and contractors against accidental physical damage to contract works, temporary site structures, and construction materials, while incorporating robust third-party legal liability cover for surrounding properties and personnel.

Heavy construction equipment, cranes, excavators, and generators represent high-capital investments operating in rugged environments. Plant All Risks insurance covers mobile plant and machinery against accidental damage, overturning, theft, and vandalism whether operating on-site, idling in storage yards, or being transported between project locations.

Corporate aircraft, commercial aviation fleets, sea-going vessels, and offshore support craft require ultra-specialized hull and machinery risk underwriting. Turboserv structures international Aviation & Marine Hull covers that protect hull physical integrity, engine breakdown, war risks, passenger liability, and third-party aviation/maritime legal exposures.

Operating within Africa’s oil and gas sector demands sophisticated energy insurance capable of handling massive capital exposures and strict regulatory mandates. We negotiate comprehensive energy packages covering offshore platforms, drilling rigs, refineries, pipelines, operator extra expense (well control), pollution liability, and energy asset damage across upstream, midstream, and downstream operations.

Professional service providers — including engineering consultants, architects, financial advisers, legal practices, and IT firms — face growing exposure to client lawsuits alleging breach of professional duty, errors, or omissions. Professional Indemnity insurance covers legal defense costs, settlements, and court awards, preserving your firm’s balance sheet and reputation.

Commercial operations and manufactured goods carry inherent third-party exposures. Public & Product Liability insurance protects your business against financial claims arising from third-party bodily injury, accidental property damage on your premises, or injuries caused by defective products distributed in the marketplace, including legal defense fees and statutory awards.

Physical property damage is often compounded by loss of revenue, ongoing fixed overheads, and extra operational expenses during repair periods. Business Interruption insurance replaces lost gross profit, covers key employee payroll, and reimburses temporary relocation costs following an insured fire, machinery breakdown, or natural disaster event.