From fire and theft to household and marine insurance, Al-Ittihad Al-Watani's policies cover both property and liability.
Al-Ittihad Al-Watani offers the array of insurance plans to help clients protect themselves against property damage and liability:
* Fire & Allied Perils 
* Consequential Loss 
* Burglary 
* Householders 
* Money Policies 
* Fidelity Guarantee 
* Professional Indemnity 
* Marine 
* Motor

Fire & Allied Perils 
Fire insurance covers the insured's property against loss or damage caused by fire. The scope of coverage can be extended to include lightning, earthquake, storm, tempest, flood, explosion, bursting of water pipes, removal of debris, and impact of vehicles and aircraft. 

Consequential Loss Insurance:
This coverage insures the policyholder against loss of earnings, which starts immediately after the fire and continues for a defined period. This includes overhead expenses, net profit lost in consequence of the business interruption and increase in the cost of working. 

Burglary Insurance: 
Burglary insurance indemnifies the insured for loss or damage to property due to burglary by forcible entry or break-in. This cover may be extended to include hold-up. 

Householders Insurance: 
This policy provides comprehensive coverage for houses following fire and burglary. It includes loss or damage to buildings and their contents, to servants' property, loss of rent, and additional expenses for alternative accommodation, legal/public liability of the insured, as well as the insured's death. 

Money Policies: 
This type of coverage protects money: 
* Cash in Transit indemnifies the insured against loss of money while in transit in the custody of employees.
* Cash in Safe covers the insured for loss of money in the safe following break-in.

Fidelity Guarantee: 
This coverage indemnifies the insured for any loss due to his or her employee's dishonesty. 

Professional Indemnity:
This coverage indemnifies a professional, such as a doctor in respect of medical malpractice or an engineer or an architect against legal liability, to compensate a contractual party who has sustained injury, loss or damage through breach of duty. 

Marine insurance: 
Marine insurance indemnifies the insured against loss or damage to goods and vessels caused by fire and perils of the sea, such as stranding, sinking, grounding, scratching the ground, and damage due to collision. It covers marine cargo and hull: 

* Marine cargo insurance protects goods being shipped from the time the vessel leaves the seller's warehouse to the place where goods are loaded onto the vessel, during the course of the voyage, to the discharging port, until the goods are delivered in the discharge warehouse.

* Hull insurance protects the vessel against damage caused by fire, explosion, lightning, and maritime perils, such as heavy weather stranding, collision, and the like.

Motor Insurance: 
Al-Ittihad Al-Watani offers several types of motor insurance, mainly: 

* Third Party Liability covers the liability of the insured towards the third party with respect to material damage and/or bodily injury due to an accident.

* All Risks is a comprehensive motor policy: in addition to the insured's liability toward the third party, it indemnifies the insured against loss or damage to his vehicle caused by theft, fire, or accident and any bodily injury arising therefrom.