Variety

Kam y Asociados has a wide range of products from health and car insurance to power plant insurance. We can provide all insurance products available in the local and international insurance market. Whether our client needs a local coverage for his apartment or a client who needs the ability to re-insure, we can do it.

Classification

According to our philosophy, we classify products into two types:

  • Personal Insurance: Products for individuals seeking to insure themselves or their property.
  • Corporate Insurance: Those products designated to legal persons, that is companies.

Services

Our commitment is to provide you with the best possible service, that is why we offer you:

  • Risk Analysis and Risk Inspection.
  • Negotiations and issuance of policies in the local and international insurance market according to your need.
  • Structuring of insurance programs according to your needs looking for the best conditions and hand in hand with the best insurers.
  • Program administration in conjunction with the client's main office and our regional correspondents.
  • Personalized Attention Account Executive assignment.
  • Insurance product design and risk management according to your needs.
  • Claims Management.
  • Training of our clients' staff (Policyholders).
  • Statistical and policy situation reports.
  • Industrial safety studies and analysis.
  • Kam 24, 24 hour assistance in car claims by contacting + (507) 223 4444.

Our Products

  • Personal
  • Corporate
  • We have a wide range of products from health and automobile insurance to the insurance of a power plant. We can provide all insurance products available in the local and international insurance market.

Personal Insurance

Auto

Bodily Injury
Damage to Property of Others
Medical Expenses
Comprehensive
Collision
Fire
Robbery

Residence

Multi residential risk hedges:

Fire and /or Lightning
Explosion
Earthquake
Storm, Hurricane, Cyclone, Typhoon, Tornado or Waterspout
Tree falls
Vehicle impact
Flood and Water Damage
Public Disorders
Punitive Damages
Debris Removal
Theft by forcing
Assault Inside
Assault Outside
General and Fire liability
Glass Breakage
Electronic Equipment
Personal Accidents

Life

Fringe Benefits:

Waiver of premiums
Accidental Death and Dismemberment
Capital Downpayment
Absolute Inability
Serious Diseases
Daily rent for hospitalization
Coverage for mortgage credit by involuntary unemployment

Health

Hedges:

Hospitalization
Emergency
Ambulatory Surgery
Medical appointments
Laboratory and X -Ray
Prescription medicines
Maternity

Personal Accidents

Basic Coverage:

Accidental Death
Double Indemnity for Accidental Death in Public Transportation
Intentional Homicide
Wrongful Death
Repatriation Expenses
Total and Permanent Disability by Accident

Additional benefits

Basic Coverage:

Daily Hospitalization Income
Travel insurance
Bail bonds

Transportation

Shipping

All maritime risks
Cellar to cellar / Warehouse to warehouse
War Risks and Strikes
Highway Risks, forced Robbery and Assault
Terrorism Exclusion Clause
Radioactive Contamination Clause
Endorsement for container out of the cellar for 72 hours
Pair or Sets Clause
Cargo ISM Clause
Chemical Weapons Exclusion Clause
Aged Vessel Clause

Air Transportation

All Aviation Risks
Cellar to cellar / Warehouse to warehouse
War Risks and Strikes
Highway Risks, forced Robbery and Assault
Terrorism Exclusion Clause
Radioactive Contamination Clause
Endorsement for container out of the cellar for 72 hours
Pair or Sets Clause
Cargo ISM Clause
Chemical Weapons Exclusion Clause
Aged Vessel Clause

Ground Transportation

All Ground Risks
Cellar to cellar / Warehouse to warehouse
War Risks and Strikes
Highway Risks, forced Robbery and Assault
Terrorism Exclusion Clause
Radioactive Contamination Clause
Endorsement for container out of the cellar for 72 hours
Pair or Sets Clause
Cargo ISM Clause
Chemical Weapons Exclusion Clause
Aged Vessel Clause

Corporate Insurance

Car fleets

Bodily Injury
Damage to Property of Others
Fire
Robbery
Seat policy (optional)

Collective Life

Waiver of premiums
Accidental Death and Dismemberment
Capital Downpayment
Absolute Inability
Serious Diseases
Daily rent for hospitalization
Coverage for mortgage credit by involuntary unemployment

Collective health

Hospitalization
Urgency
Ambulatory Surgery
Medical appointments
Laboratory and X -Ray
Prescription medicines
Maternity

Commercial

Fire
Forced theft
Flood
Assault inside/outside the premises
Civil Liability
Glass Breakage
Electronic Equipment
Employee Loyalty

Civil Liability

General Civil Liability
Legal Civil Liability for Fire
Product Liability
Valet Parking Civil Liability
Civil Liability of Land and Operations
Employers liability
Civil Liability Pollution

Personal Accident

Accidental Death
Double Indemnity for Accidental Death in Public Transportation
Intentional homicide
Wrongful Death
Repatriation Expenses
Total and Permanent Disability by Accident

Cyber Crime

Theft of sensitive information for the company.
Defamation and misuse of the company’s stolen database.
Damage caused to the operability and loss of income due to theft of sensitive company information.

Additional Benefits

Double Indemnity for Total and Permanent Disability and Dismemberment
Daily Income for temporary disability caused by an accident
Medical Expenses for Accidents
Daily rent for hospital confinement
Personal income in case of disability due to accident or illness
Permanent Disability

Other Products

Theft

Forced theft
Assault inside the premises
Assault outside the premises
Forced theft( Money or Petty Cash )
Forced theft ( Cash Register )
Forced theft ( Money and valuables – Safe –deposit box)

Employee Loyalty

Loss within the Property or the premises
Loss outside the Property or the premises.
Drafts
Check and Counterfeit Tickets
Deposits Against Counterfeiting

Glasses and crystals

Exteriors
Interiors
Signs