SOLUTIONS
Human Risks
Situation-specific insurances that protect employees and their families when working in Africa – covering everything from travel to medical emergency.
HUMAN RISKS
Putting your people first:
Your people, Our Priority. In the face of travel challenges and unfamiliar risks, we deliver customised insurance solutions that protect your employees and your business.
Sending staff to do business in faraway lands comes with new risks for your business.
Doing business in Africa and certain high-risk environments may escalate your exposure. A critical incident involving an employee can negatively impact a company’s reputation and present you with unplanned and considerable cost.
A smart response is to be aware of the risks and mitigate the potential consequences of mishap. What’s right for your staff is right for your company.
Our Human Risks team has drawn on its Africa experience to build this suite of situation-specific insurances.
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Medical Evacuation:
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Kidnap, Ransom and Extortion:
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Corporate Travel Insurance:
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Travel Assistance Membership:
“Life-threatening emergency”
- Covers a life-threatening medical emergency and/or where local facilities are not suitable to treat a medical condition.
- Access directly to ART24 - our 24/7 Critical Incident control room and experts to manage the incident from start to finish.
“Crisis and risk management”
- Provides crisis and risk management support and access to expert negotiators.
- Ransom settlement in the occurrence of insured events.
- Cover includes kidnapping, extortion, hijacking, illegal detentions, mysterious disappearance, and hostage crises.
“Travel complications and more”
- Protects against travel complications including missed connections, delays, overbooking, lost or damaged luggage.
- Includes benefits like emergency assistance, medical evacuation, and natural disaster evacuation.
“Global Emergency Assistance and Response”
- Focuses on medical, security and natural disaster responses in the event of an emergency while traveling.
- Cutting edge technology mobilises real-time access to expert and localized emergency support.
- This product differs from traditional travel insurance in that it specifically built around the threat of crisis and medical emergencies far from home.
Our Health & Life Partnership with JW Seagon
In our commitment to provide clients with the best possible solutions, ART have formed a strategic partnership. JW Seagon is a leading specialist Health and Life brokerage with an exceptional track record in the Indian Ocean Islands and the African continent.
“Extensive cover for medical expenses and healthcare”
- International Private Medical Insurance provides companies, individuals, and families extensive cover for medical expenses and healthcare services.
- Whether it’s inpatient cover only or full cover including wellness, optometry, and dentistry and/or maternity, we have a solution to meet your needs.
“Key to estate planning”
- Group Life or individual cover is a key element in estate planning and protection for your own family’s future, or your employees’ family’s futures.
- Can be based on life cover only or with added benefits such as disability and critical illness cover.
“Key persons and Partnerships”
Life cover can also provide business or shareholder protections, such as:
- Key Person cover: Protects your business against the death of an individual whose loss would negatively affect your operations.
- Partnership cover: In the event of your death these policies assist your remaining partner/s to purchase your shares in the business.
In a world where a duty of care to your employees is not only expected, but required, let us help you design and implement the right solutions.
The ART of Insurance &
Risk Transfer Solutions
- Understand your business and needs
- Design solutions
- Simplify the process
- Partner with the best
- Protect your business and your people
- Support you every step of the way