All coverages are subject to a small Stamp Duty. The exception would be when coverage is not available in the local market. This is mainly a broker market though agents operate usually representing one or more Insurers. Commissions can be paid to brokers not registered locally. Coverage for looting is individually endorsed and an additional premium is charged.
Inspections are mandatory.
Policies are written on an occurrence basis. Passengers are covered as they are deemed to be Third Parties. For those not protected thereunder, a separate Workers' Compensation policy may be written. Extra-Territorial benefits are not included for employees working abroad. Medical Expenses and Occupational Disease benefits are payable under the Scheme.