Accidents and calamities are a fact of life, sometimes you can get through life without ever experiencing one directly, while for some, they get to experience it more than once in a lifetime. These unfortunate events bring a lot of damage and losses and it is what insurance has been designed for.

Since our lives, properties and businesses are unsure, no one can ever predict what will happen in the future. Insurance policies provide us with that layer of assurance that if something bad does happen, we are prepared for it and that we can recover our losses or have our damaged properties fixed and replaced.…