Domestic Package Insurance

Shimin Insurance shall pay liabilities at law or compensate you in respect of;

• Accidental loss or damage to property Accidental loss or damage to property belonging to third parties and not those in your custody or of a member or your family or household or a person in your service.
• Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in his service at the time of the occurrence giving rise to the injury.

Shimin Insurance will cover loss of, or damage to a private dwelling house or a private flat including domestic outbuildings, landlord’s fixtures and fittings, walls, gates and fences on the same premises caused by:

• Human causes such as riots and strikes, malicious damage, and theft.
• Fire and natural causes such as earthquakes, storms and tempests, lightning, and floods.
• Various causes, including bursting and overflowing of water tanks, apparatus, pipes, impact by road vehicles and animals not belonging to or under control of the insured or their agents.
• Chemical related, that is exposure e.g. of domestic gas cylinders.

• Shimin Insurance shall cover your employees for injuries or death or disease that arises out and in the course of employment.
• Shimin Insurance shall also cover domestic servants like house-help, watchman, ground men, gardeners and drivers.

Shimin Insurance shall cover loss of or damage to furniture, household goods and personal effects of every description the property of the insured or any member of his family normally residing with him and fixtures and fittings, which the insured’s owns or for which he is legally responsible not being landlord’s fixtures and fittings.

Shimin Insurance shall compensate you against liability at law in respect to:

• Accidental loss or damage to property belonging to third parties and not those in your custody as the insured or of a member or your family or household or a person in his service.
• Accidental bodily injury (including illness) to any person other than a member of your family or household or a person in your service at the time of the occurrence giving rise to the injury.