General Insurance

General Insurance also called Non-life insurance: This category includes property and liability. Property insurance includes the motor, Engineering, pecuniary, fire, marine, transit risks, and so many. Liability insurance includes workmen’s compensation (employer’s liability), product liability, public liability, and other liability policies. In addition, professional indemnity policies fall under this category. Professional indemnity policies provide cover against the liabilities of professionals; like medical doctors, architects, accountants, lawyers, insurance sales agents, etc for breach of professional duties. It also includes product liability, public liability, personal liability, and others liability policies. In some products such as motor, Engineering, and related products the insurance could include liability of the insured and property as well in one policy.


Fire And Allied Perils Insurance

  • Fire and Material Damage: Commercial/Industrial
  • Fire and Material Damage: Private
  • Burglary and House Breaking
  • Burglary And Housebreaking Insurance
  • Consequential Loss Insurance
  • Domestic/ Householders’ Comprehensive Insurance

Engineering Insurances

  • Contractors All Risks
  • Erection All Risks
  • Electronic Equipment
  • Contractors Plant and Machinery
  • Machinery Breakdown
  • Deterioration of Stock
  • Advance Machinery Loss of Profit
  • Machinery Loss of Profit

Pecuniary Insurances

  • Money Insurance
  • Fidelity Guarantee Insurance
  • Bonds
    • Bid Bond
    • Supply Bond
    • Performance Bond
    • Advance payment Bond
    • Retention Bond
    • Maintenance Bond
    • Different Customs Bond


  • Marine Hull
  • Marine Cargo: Air, Sea and Inland

Motor Insurance(For Private & Commercial)

  • Own Damage
  • Third Party, Fire & Theft
  • Comprehensive (Includes 1-3 covers)
  • Third Party including COMESA Yellow Card Cover
  • Motor Trade

Liability Insurance

  • Public Liability
  • Products Liability
  • Inland Carriers’ Liability
  • Employer’s Liability/Workmen’s Compensation/
  • Professional Indemnity
  • Directors’ & Officers’ Liability


  • Plate Glass
  • All Risk Insurance
  • Motor
  • House Holder’s Comprehensive insurance

Life Assurance

Life Assurance: is the assurance of persons which may be classified as an endowment, term, and whole life insurance. Currently, Zemen Insurance S.C is not providing life insurance products. It is working on a project to launch life insurance by mid-2022.


  • Coming in 2022

Travel Insurance

Travel Insurance: Zemen Insurance S.C launched a travel insurance program for international travelers in collaboration with MAPFRE ASISTENCIA since September 2020. Our Travel insurance program covers the three basic areas of your concern about when you travel: Protecting yourself, your expenses, and your stuff. Our travel insurance provides worldwide coverage; the Americas(North & South), Europe, Asia, Africa, Israel, South Arabia, etc. Zemen Insurance also makes safe protection available for pilgrims who have planned to visit holy places in the form of a pilgrimage travel insurance program. Any modification of the dates of validity of the Travel Insurance Policies insured in case the Insured is obliged to change his/her Travel program is acceptable. However, every change in the Travel dates must be communicated by the Insured to Zemen Insurance before the initial date of the Policy.

Thus the basic coverage’s for all your travel protection plans are:

  • Personal Assistance
  • Medical Transportation and repatriation
  • Medical Expense including COVID-19
  • Repatriation of mortal remains
  • Luggage Protection
  • Cancellation/ Delay/ Curtailment
  • Personal Accident
  • Personal Liability
  • Complementary Medical Covers
  • Complementary Card Covers