SAR- Insurance Broker

27/02/2026

Because when life changes in a second…
you should never have to wonder if you're protected.

22/11/2025

Today we celebrate the spirit of a nation that never stops rising, no matter the challenge, no matter the storm.
Our Cedars stand tall, our people stand stronger, and our hope continues to shine across generations.

10/11/2025

Insurance solutions that fit your needs are waiting for you. Unlock the potential for peace of mind by contacting us today.

03/11/2025

Every secure future begins with a smart decision today. Our tailored insurance solutions help individuals and businesses stay protected against uncertainties, ensuring peace of mind, stability, and confidence in every step forward.

Because protecting what matters today means building a safer, stronger tomorrow

25/08/2025

Thrilled to be part of year 2025 edition Zouk Mikael Municipality Souheil K. Abiramia

Check out the Old Souk Nights program and get ready for an evening full of music and magic.

📅 We are waiting for you from 29 August – 7 September
🕗 From 5 PM – 12 Midnight
📍 At the Old Souk – Zouk Mikael
برنامج ليالي سوق العتيق

📅 ناطرينكن من 29 آب – 7 أيلول
🕗 من الساعة 5 حتى 12مساءً
📍 بالسوق العتيق – زوق مكايل

18/08/2025

When it comes to protecting your assets, understanding the fine details of insurance policies is crucial. One area that often causes confusion is the distinction between theft and burglary. While both involve the unlawful taking of property, insurance companies define and cover them differently.

What is Theft?

Definition: Theft refers to the unlawful taking of property without consent, with the intention of permanently depriving the owner of it. Examples: A pickpocket stealing your wallet. An employee secretly taking office supplies home. Shoplifting from a retail store.
Insurance Coverage: Theft may not always be automatically included in a basic insurance policy. Some insurers require an add-on or special coverage for theft, especially in cases without forced entry.

What is Burglary?

Definition: Burglary is theft that involves forcible and unlawful entry (or exit) from premises.
Examples: Breaking a window to enter an office and steal laptops. Forcing open a safe inside a home. Cutting through a locked gate to steal machinery from a warehouse.
Insurance Coverage: Burglary is more commonly included in property insurance policies, but coverage usually requires proof of forced entry (like broken locks, damaged doors, or security footage).

Why This Matters for Insurance

If your policy only covers burglary, a simple theft (like someone walking away with unsecured property) might not be covered.
To ensure comprehensive protection, businesses and homeowners should review whether their policy includes both theft and burglary.

Always check your policy wording carefully and consult with your insurance broker to make sure your coverage matches your risk exposure.

21/07/2025

Unoccupied Property

It's crucial to be aware of the specific risks and exclusions that apply when a building, apartment, office or other insured property is left unoccupied for an extended period. These situations can pose unique challenges for policyholders and insurers alike.

Common Exclusions

If a building is unoccupied for more than 30 or 60 days, the following risks may be excluded:

1.Theft or Malicious Damage: Insurers may exclude coverage for theft or malicious damage if the building is left unoccupied, as these risks increase when a property is vacant.
2.Escape of Water: Insurers may exclude coverage for escape of water damage if the building is left unoccupied, as pipes and appliances may be more prone to leaks or bursts without regular monitoring.
3.Accidental Damage: Insurers may exclude coverage for accidental damage if the building is left unoccupied, as the risk of accidental damage increases without regular occupation.

Practical Examples

1.Vacation Home: A homeowner leaves their vacation home unoccupied for 90 days, and a pipe bursts, causing water damage. If the policy excludes escape of water damage for unoccupied buildings, the insurer may not pay for repairs.

Final Considerations.

Policyholders should review their policies to understand the exclusions and limitations that apply to unfurnished or unoccupied buildings. Regular inspections and maintenance can help mitigate risks and ensure coverage remains in place

14/07/2025

Building with Confidence

Contractors All Risks (CAR) insurance provides a comprehensive safety net, protecting stakeholders from physical losses and damages.

What Does CAR Insurance Cover?

1.Permanent Construction Works: Damage to the project itself, e.g., fire, flooding, collapse.
2.Temporary Construction Works: Damage to scaffolding, site offices, and other temporary structures.
3. Materials on Site: Loss or damage to materials intended for incorporation into the permanent works.

Why is CAR Insurance Crucial for Construction?

1.Mitigates Financial Risk: Protects against unexpected costs and budget overruns.
2.Ensures Project Continuity: Minimizes delays and gets projects back on track quickly.
3. Facilitates Funding and Compliance: Often required by lenders and clients for financing and contract awards.

Invest in CAR Insurance and Build with Confidence!

Protect your construction projects from unforeseen challenges and ensure financial stability.

30/06/2025

📰 Monday Roundup | This Week’s Spotlight: The Role of the Insurance Broker
Ever wondered what makes an Insurance Broker Your Best Ally in today’s complex insurance landscape?
In this week’s edition, we dive into the critical role brokers play in securing the right coverage, negotiating on your behalf, and ensuring peace of mind when you need it most.
📌 Whether you’re a business owner or an individual, understanding the value of your broker can make all the difference.
👉 Check out the full article now and discover why having the right broker is your strongest asset
https://www.linkedin.com/pulse/role-insurance-broker-sar-insurance-reinsurance-broker-qmojf

21/06/2025

Celebrating the Original Provider of Peace of Mind “Dad”

“What does peace of mind look like?

It’s knowing someone has your back without asking, without hesitation. It’s the quiet comfort of feeling safe, supported, and understood. It’s the early mornings, the long nights, and the countless sacrifices made without ever expecting anything in return.

We strive to offer peace of mind to every family; just like the one person who’s been doing it all along: the father. He is the unseen shield, the calm in every storm, the provider of not just financial security, but emotional strength.

This Father’s Day, we honor the men who give everything so their loved ones can feel protected. You are the reason we believe in the power of care and commitment. You are the living example of what true protection means.

A Father’s Presence Is the First Policy We Ever Had…

16/06/2025

📬 Check out the new edition of this week’s Monday Roundup!

This week, we’re diving into a vital topic: Critical Illness Insurance – what it is, how it works, and why it’s more important than ever.

Don’t miss this essential read.
https://www.linkedin.com/posts/souheil-abi-ramia-5a649621_insuranceawareness-criticalillness-mondayroundup-activity-7340300373548507136-osvT?utm_source=share&utm_medium=member_desktop&rcm=ACoAAASFRM4Bm6AA4u6V8IsMX2J22pxdthRpKIE

Feeling lost or unsure?
👉 Contact us. We’re here to help.

09/06/2025

🔔 MONDAY ROUNDUP🔔

Kickstart the week with insights, updates, and everything you need to stay ahead. Let’s make this week count!

We’re here to help you make smart decisions—whether you’re managing personal coverage or navigating complex corporate risks.

📩 Stay tuned. Follow us for your Monday dose of insight & protection
https://www.linkedin.com/pulse/group-personal-accident-insurance-souheil-abi-ramia-tfhaf ‼️