At THB Regional, we offer extensive coverage for both private and commercial aircraft and helicopters. Our services cater to individual owners as well as companies within the aviation and industrial sectors. Our solutions encompass protection against total or partial hull loss and include Civil Liability coverage, addressing damages incurred by third parties. This policy covers passengers, cargo, and baggage, as well as third parties on the ground. Additionally, we provide comprehensive coverage for Aeronautical Personal Accidents, ensuring the safety of the crew.
Construction & Engineering
Commonly referred to as All Risks Coverage (CAR/EAR), this service protects against property damage incurred throughout the construction of architectural or civil engineering projects. Typically, these policies are temporary, aligning with the project’s duration. If required, we can provide floater insurance for professional installers.
Beyond safeguarding the construction site, construction insurance can extend coverage to include construction equipment and machinery, encompassing items such as scaffolding, worker’s huts, tools, cranes, excavators, and compressors. Additionally, this insurance may cover the personal possessions of employees and workers, expenses associated with debris removal, firefighting, overtime, urgent shipments in cases of loss, and damages to pre-existing property.
Given the continuous evolution of energy sources, at THB Regional, we stay informed about market conditions to offer high-quality solutions in various segments. These segments include exploration and production, transportation and storage, distribution, and marketing of conventional and renewable energy sources.
Our protection extends to potential threats against physical assets, such as facilities, equipment, and machinery. It also includes coverage for economic damages brought by physical harm that leads to operation disruptions. You can choose from “All Risk” coverage or comprehensive and emerging Liability coverage.
Some examples of the activities we protect include Hydroelectric Generation, Thermal Generation, Wind Generation, Solar Generation, Refineries, Petrochemicals, Gas Pipelines, Oil Pipelines, Chemical Plants, Fertilizer Plants, Pulp and Paper Plants, and Oil and Gas Storage Terminals.
Health, Life, and Personal Accidents
Our coverage for Life and Health is designed with the well-being of your family in mind during difficult times, providing financial security and peace of mind for the future. This category offers diverse coverage options, including Group Life, Debt Balance Life, Personal Accident/Illness, Awarded Life, Medical Expenses, Personal Accidents and Medical Expenses, Catastrophic Life, and Temporary Life.
The Life coverage ensures compensation for death, illness, or accidents, with additional benefits for accidental deaths. It also covers total and permanent disability resulting from sickness or an accident. This versatile coverage applies to any individual and can also apply to groups of people.
Additionally, our Health coverage safeguards the insured against incurred and potential medical expenses arising from severe illnesses, surgical procedures, and transplants. This coverage can include provisions for daily hospitalization benefits, transportation, and accommodation expenses incurred by a family member due to the insured’s hospitalization.
Furthermore, our Personal Accident product provides coverage for bodily injuries sustained in accidents and accidental fatalities, whether they occur in a personal or professional capacity. We extend to various activities, including professional athletes and high-risk hobbies like diving, skiing, mining, and more.
Legal actions against institutions and professionals have become more frequent and severe. Professional Liability insurance is vital for protecting and sustaining a professional career.
Our insurance shields a professional’s assets when they need to respond to a claim or lawsuit initiated by a client. Such claims typically stem from civil liability resulting from acts, actions, or omissions that occurred with fault or negligence during the course of their profession.
Our coverage extends to various categories, including Directors and Officers, Lawyers, Architects and Engineers, Insurance Agents and Brokers, Medical Practitioners, Reinsurance Agents and Brokers, Investment Management, and Liability Insurance for Investment Advisors. We provide comprehensive protection tailored to the dynamic legal landscape, ensuring professionals against evolving risks.
Marine Hull & Cargo
We design our coverage to protect against the inherent risks of navigation that can impact various vessels, including sailboats, speedboats, boats, self-propelled boats, non-self-propelled boats (such as dredges, floating cranes, flatboats, etc.), and other means of water transport.
We protect a range of significant navigation risks, including total vessel loss, shipwrecks, collisions, fires, natural events, etc. For cargo, we cover damage to goods transported by air, land, or sea. This coverage initiates when the transporting vehicle, loaded with goods, begins its journey from the agreed-upon location and remains in effect throughout the standard course of transportation, encompassing regular stops, demurrage, and transfers. The coverage concludes upon the vehicle’s arrival at its final destination.
Our product extends to various risks, such as Port Terminals, Marine Liability, Shipbuilding, Carriers’ Liability, Protection and Indemnity, and Legal Liability for Ship Repair Shops.
We design our property insurance product to compensate the policyholder for direct physical losses their owned property sustains. The coverage can also include protection for machinery breakdown, business interruption (loss of profits), access interruptions, interdependence, and extensions for customers and suppliers.
We offer comprehensive coverage for various risks, including Fire and Allied Risks, Operational All Risks, Transmission Outages, All Risk Contractor’s Equipment, Electronic Equipment, Machinery Breakdown, Business Interruption, Strike, Riot, and Civil Commotion.
Our Specie coverage is a specialized product designed to safeguard high-value assets, including cash, bullion, diamonds, fine art, important documents, and even cryptocurrencies.
The coverage applies whether the assets are on-site, at third-party locations, or in transit.
The primary risks insured are potential loss or damage due to natural disasters like fire, floods, windstorms, and theft or physical harm.
This coverage extends to various valuable items, including bullion and refined precious metals, ore during transportation to refineries, secure storage in bullion banks, cash and valuables in armored transport, and a wide range of works of art, such as manuscripts, ceramics, historical artifacts, textiles, books, and more. We’ve also expanded our coverage to include cryptocurrencies, addressing the increasingly significant risk in this emerging digital asset space.