Enigma Financial Services

Buildings

Buildings insurance is designed to protect homeowners and property investors from losses due to covered perils. At Enigma Financial Services we offer a buildings and sectional title product designed to cover all types of property owners.

For Managing Agents, the procurement of insurance on behalf of Community Living Schemes is simplified significantly through access to an insurer that is well-equipped to deliver exceptional cover, service, and security to Trustees and unit owners.

These include:

Sectional Title Residential and Business Properties
Commercial Buildings
Homeowners Associations
Residential Homeowners

Cyber

As technology develops, it is becoming increasingly important for individuals and businesses to safeguard themselves from cyber threats.

A business is not guaranteed, even with a significant investment, that its IT environment is totally secure.

Cyber insurance is an important consideration when assessing your risks and proactively preparing for potential loss or damage. Should you or your business have an IT system and/or store and process data, you should consider the cover offered by a cyber policy:

Cyber – Personal

From hacking, malware, and cyber extortion to banking app losses, cyberbullying and identity theft, our digitally integrated lives are becoming more vulnerable to cyberattacks. As technology continues to develop, it is becoming increasingly important for individuals to safeguard themselves from cyber threats.

Engineering

Engineering insurance plays a pivotal role in safeguarding the intricate operations of engineering and construction companies against potential risks.

As the backbone of many industries, these companies face unique challenges ranging from equipment breakdowns to third-party damages. By providing financial protection and peace of mind, engineering insurance enables businesses to focus on innovation and growth while mitigating the inherent risks of their operations.

We offer a complete engineering insurance solution, catering from contractors all risks cover to machinery breakdown, stock and everything in between.

Covers Available

Contractors All Risk

Provide cover to protect the employer and contractor against the risk associated with construction, including damage to property and third-party injury or damage claims.

Machinery Breakdown

Provides cover for machinery which breaks down whilst in use or at rest. In respect of fridges, freezers and cold rooms, deterioration of stock can also be selected as an insured section.

Stock Deterioration

Provides cover for stock which deteriorates as a result of machinery breakdown.

Profit Loss

Cover may be extended to include loss of profits to protect the insured against loss in respect of business interruption.

Plant All Risks

Cover provided for accidental physical damage to the plant.

Damage

Provides cover against accidental or physical loss or damage to property. Cover may include insurance for plant and machinery belonging to the customer, as well as for property being manufactured or worked on.

HCV

The commercial transport industry is steered by a string of events – some more controllable than others. The more you manage the risk, the smoother the road ahead.

At Enigma Financial Services we know what it takes to keep your business moving and offer specialised insurance for commercial fleets.

Marine

Marine Product covers all modes of transport while the goods are in transit, including sea, air, road and rail, both locally and internationally.

Enigma Financial Services offers tailor-made insurance and risk management solutions, providing cover that will best suit the unique characteristics of the commodities being transported, including complex type risks.

The world of marine is characterised by unpredictability, which can have catastrophic impacts on your business. Our specialist marine team has experience in the marine placement and the servicing of corporate /multi-national marine businesses.

They are available to assist you with technical advice, risk control matters, as well as provide you with the information necessary to allow you to make informed decisions regarding the adequacy and type of cover you require.