Nowadays, hairdressers are called upon to cope with a competitive environment by investing capital both in the infrastructure and the equipment of their hairdressing salon.
Hairdressers primary concern is to cover their property in the best possible way, but also at an affordable price.
The Cyprus Hairdressers Association has made an agreement with insurance consultant Marios Karagiorgis and Trust Insurance Cyprus providing a pioneering multi-insurance package for the members of the association, which provides solutions that ensure your investment at irresistible prices.
Each member of the association is able to receive a 5-25% discount on the price of an existing insurance or on a new insurance policy.
If you are not yet persuaded, submit to us your existing insurance policy in order to get persuaded.
Contact us for an appointment for more information.
Medical plan can be offered to large groups, organisation or companies with very competitive premiums. Insurance medical plan can be customized based on each group’s needs.
Our job is to be next to you 24 hours a day home or abroad. Planning for an unexpected medical event could be worrying and cause a financial drain. Through our Medical plan, we offer a customer-oriented product that has been designed to fulfil all your medical requirements, having the following characteristics:
- Direct settlement with hospitals and clinics without incurring any additional costs.
- No upper age limit termination of the contract. It will serve you for as long as you wish.
- 24 hours Telephone advisory Service.
- Emergency medical assistance whilst abroad.
- Extension of Cover Abroad.
- Direct settlement of hospital bills.
- Immediate response and resolution of your requirements.
- Flexibility for coverage combinations to create your own, tailored made plan.
- Specify the premium through coinsurance option
- option of annual excess
- option of private or semi-private room
- Significant discounts to families.
- Significant discounts to Group Policies.
- Flexibility to combine the in-patient plans with one, all or none of the additional benefits.
By road within the Republic of Cyprus
- Covers the loss or damage to goods undergoing transit by land, within the Republic of Cyprus, in sealed vehicles as a consequence of fire, theft or road accident.
By other means of transport within from/ to other countries
- Covers the loss or damage to goods that are undergoing transit as a consequence of insured perils predetermined in international Clauses or Institute Cargo Clauses.
- Institute Cargo Clauses ‘A’
- Institute Cargo Clauses ‘B’
- Institute Cargo Clauses ‘C’
Furthermore, the following covers are also available:
- Institute War Clauses (Cargo)
- Institute Strikes Clauses (Cargo)
Also we offers the Automatic Coverage facility for smoother and direct processing of goods in transit, based on an open cover policy basis.
A contractor is responsible for building houses, roadways, apartment complexes, schools and so on, for all
that we offer protection from perils that pose a daily threat to the smooth running of the contractor project.
Cover is granted for the:
- Project under construction
- Equipment on site
- Plant and machinery used for construction
- Cost of debris removal
The fire insurance policy is the basic policy intended to protect your properties such as your home or your business premises.
Our fire insurance policy provides protection from risks that pose a daily threat to the smooth running of your business.
Our policies offer insurance protection against loss or damage occurring to:
- Business Premises i.e. buildings
- Machinery and equipment
- Furniture and fittings
- Raw materials
Our insurance policies offer insurance protection against loss or damage occurring from the following perils:
- Overflowing of water or oil tank
- Strike , riot or civil commotion
- Storm/ tempest
- Malicious damage
- Theft or attempted theft
Also, additional coverage may be offered from the following dangers:
- Accidental breakage of glass
- Removal of debris
- Professional fees
- Loss of rent
- Business interruption
We offer a complete Electronic Insurance Policy to cover damages that may arise unexpectedly on insured objects such as:
- Call Centres
- Medical Equipment
- Equipment of radio and television stations
- Other electronic appliances
The owners or tenants of such devices have the option to cover accidental loss or damage to these devices without worrying that such damage will cause disruption to the activities.
This insurance policy is mostly intended for professionals, accountants, doctors, architects etc. In addition, it covers businesses and individuals who have electronic devices.
Machinery Breakdown & Deterioration of Stock Insurance Policy
Machinery breakdown insurance offers assurance and protection to business owners such as mechanical engineering, industrial, textile, paper mills, workshops from risk of damage being caused due to an unexpected failure of their machinery.
Our insurance policy will cover any sudden damage that may be due to one of the following causes:
- Losses due to short circuit,
- Physical explosion,
- lack of water in boilers,
- separation due to centrifugal force,
- storm, ice,
- incorrect handling, negligence carelessness
- poor assembly
- wrong design
- malicious damage by third parties
Our policy provides the above mentioned basic cover with the possibility for extension of cover by adding additional benefits to the basic coverage package as follows:
- Political unrest
- Overtime night work, expediting shipments cover
- Air fare cover
It is a prerequisite of the policy that a detailed asset register of all machinery is submitted to us for the issuance of the Machinery Breakdown policy.
Deterioration of Stock Insurance – As a consequence of Machinery Breakdown
Our Deterioration of stock insurance is offered in conjunction with the Machinery Breakdown policy and covers the cover spoilage of goods stored in cold chambers due to their mechanical failure.
We offer a medical plan according to the requirements of Republic of Cyprus covering inpatient and outpatient expenses incurred due to sickness or accident for workers from non EU member countries, for non EU Students and visitors.
We offer two different Medical Plans. Plan A offers inpatient and outpatient expenses incurred due to sickness or accident, whilst plan B offers only inpatient expenses incurred due to sickness or accident.
Protect your business from any business risk it might face
Our innovative Business Insurance Policy offers comprehensive insurance coverage for complicated risks that might arise, for a better protection of your assets.
Against All Risks (ALL RISK) – property damage:
- Machinery and Equipment
- Merchandise/ Inventory/Raw Materials
- Accidental damage in Underground Services
- Accidental Glass Breakage
- Removal of Ruins
- Compensation of Architects and Engineers
- Relocation Expenses
- Loss of Rent
- Loss of Water Meter
- Detection and access to water leakage or fuel
- Replacement of Locks
- Relocation of Merchandise
- Employer Liability
- Civil Liability and Product Liability
- Alteration of products
- Personal Accidents
- Dishonesty of the Employees
24-hour Technical Support Service
Our Business Insurance offers a 24-hour Technical Support by specialized technicians who can offer you immediate solutions to problems in your:
- Electrical installations
- Glass Panes
And many more benefits
The minimum limits of indemnity that are required under the law are as follows:
- Limit for each and every employee €160.000
- Limit per event or series of events €3.415,000
- Aggregate limit during any one period of insurance €5.125,000