Hill-Stone Insurance Broker Limited

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The team at Hill-Stone has one mission all the time, to provide all your insurance needs in a timely manner at competitive rates. With Hill-Stone, you demand the insurance service and we will provide it. Listed below are some of the insurance covers we provide. Call now for more information and a free premium quotation.







Burglary: Protection against loss of or damage to property insured resulting from theft involving actual forcible entry or exit.


Cash-In-Transit: Protection against loss of money and damage to safe or strong room damaged in the course of theft of money.


Directors & Officers Liability: Compensation against expenses which the insured shall become legally liable to pay as compensation, including agreed defence costs and expenses resulting from any wrongful act by the insured in their capacities as directors, officers or employees of the Insured company.


Domestic Package: Compensation to the insured against loss or damage to residential building, household goods and personal effects caused by perils coverable under fire and burglary/theft policy. The policy is divided into five sections as follows:

 Buildings – covers private dwelling

 Contents – covers the items/objects inside the house

 All Risks – covers portable items like cameras, cell phones, laptops, etc., within and outside the house

 Workmen’s Compensation – covers domestic labourers

 Liability – covers owners or personal legal liability towards third parties


Electronic Equipment: Protection against any unforeseen physical loss of or damage other than by specifically excluded perils. Cover is meant for various items of computer equipment and accessories.


Fidelity Guarantee: Protection against direct monetary loss resulting from fraud or dishonesty of employees in the course of employment.


Fire & Special Perils: Loss of or damage to property resulting from fire, lightning,  explosion, earthquake fire and shock, volcanic eruption, bush fire, riot, strike, malicious damage, special perils and spontaneous combustion.


Goods in Transit: Cover for all risks of loss of or damage to goods in transit, anywhere within the country.


Life: Compensation for death due to accident or illness with maturity benefits like bonus, dividends, etc. Variety of products available, such as Capital Advantage, Endowment, Pension, Whole life, etc, to suit your needs.


Machinery Breakdown: Cover against any unforeseen physical loss of or damage to the specified plant/machinery as a result of any cause not excluded by the policy. Cover includes loss or damage resulting from mechanical or electrical breakdown.


Medical: Covering medical expenses, while admitted in the hospital due to accident or illness.


Personal Accident: Reimbursement for death or disability, and medical expenses incurred in connection with an accident occurring at any time caused by accidental, violent, external and visible means. (Note: This insurance cover can also be taken out for a group of people with a common purpose like the employer taking out insurance to cover all his employees against death, disability or medical expenses).


Professional Indemnity: Cover against legal liability to third parties arising out of breach of professional duty by reason of any negligent act, error or omission of the insured.


Public Liability: Cover against legal liability to third parties for accidental death, bodily injury and/or illness and/or loss of or damage to property, incurred in the course of the Insured’s business.


Workmens Compensation: Compensation to the insured in respect of death, injury or disease to employees arising out of and in the course of employment in accordance with the Work Injury Benefits Act (WIBA).


Travel: Covers following:

Medical expenses and hospitalization abroad

Loss of luggage and important documents

Third party liabilities

Unexpected flight delay

Cost of returning home mortal remains of the insured