British Caribbean Insurance Company Limited (BCIC) is one of Jamaica 's leading general insurance companies, offering a comprehensive range of non-life products.

All Risks
Loss or damage to the property insured as a result of accident or misfortune however caused and not otherwise excluded from the policy.

Bonds
A guarantee to pay a sum of money in the event of failure to perform under the relevant contract.

Burglary
Loss or damage to property following forcible and violent entry into or exit from premises.

Business Interruption
Loss of gross profit/revenue due to reduction in turnover consequent upon the damage to the insured's premises by fire and/or allied perils.

Computer Insurance
Any unforeseen and sudden physical loss or damage to data processing equipment, electronic accounting and invoicing machines, x-ray amd ultrasonic instruments etc.

Contractors' All Risks
Unforeseen and sudden physical loss or damage to the contract works, construction, plant and machinery including removal of debris and professional fees. Legal Liability to the public may be covered.

Electronic Equipment
Unforeseen and sudden physical loss or damage to electronic equipment including software and increased cost of working.

Employers' Liability
Legal liability , as a result of employers negligence , whereby compensation for bodily injury or death is paid to an employee as a result of an incident arising out of the course of their employment.

Engineering/Machinery Breakdown
Accidental loss or damage to machinery caused by electrical or mechanical breakdown.

Fidelity Guarantee
Pecuniary losses, which result from acts of fraud and dishonesty committed by employees.

Fire and Perils
Loss or damage to property caused by fire , earthquake , hurricane, flood and other perils as specified.

Goods in Transit
Accidental loss or damage to commercial goods whilst in transit.

House and Contents (Home Insurance)
Range of cover including fire , earthquake and other specified perils for loss of damage to building and contents with " All Risks " options for valuable property.

Money Insurance
Loss or damage to money whilst on premises or in transit caused by fire, burglary and Acts of God.

Motor Vehicle Insurance
Cover for loss of/or damage to motor vehicles and /or liabilities arising out of their use.

Plate Glass
Accidental breakage to fixed glass contained in commercial property.

Public Liability
Legal liability for property damage, death or bodily injury sustained by other persons caused by negligent acts arising from the operations of the insured's business.