PAPUA NEW GUINEA
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Tailored Coverage Lines

Insurance Products for Papua New Guinea

Explore our comprehensive range of commercial, property, marine, and personal insurance solutions engineered to manage risk across Papua New Guinea’s provinces and industries.

Business

Industrial Special Risks (ISR)

Comprehensive multi-peril property damage and business interruption cover tailored for mid-to-large PNG commercial operations.

Target Client

Manufacturing plants, commercial landlords, mining contractors, supply chain warehouses, food processing facilities, and large trading groups with total asset values exceeding K5,000,000.

• Physical loss or destruction of real and personal property
• Business Interruption / Consequential Loss of Gross Profit
• Accidental mechanical breakdown extension
Personal

Motor Vehicle — Private

Comprehensive, Third Party Property, and Fire & Theft cover for individual and family vehicles navigating PNG urban and highway roads.

Target Client

Individual vehicle owners, families, and professionals owning sedans, SUVs, station wagons, and 4WD utility vehicles registered in Papua New Guinea.

• Accidental damage, collision, and rollover
• Theft, hijack, and attempted theft cover
• Fire, lightning, storm, and flood damage
Business

Motor Vehicle — Business & Fleet

Scalable fleet and commercial vehicle coverage engineered for PNG logistics, delivery fleets, transport contractors, and company utilities.

Target Client

Transport operators, courier companies, distribution distributors, trading firms, contractors, and corporate fleets with 2 to 200+ vehicles.

• Comprehensive collision, rollover, and transit damage
• Highlands Highway and remote road transport extensions
• Third party property liability up to K2,500,000
Personal

Houseowners (Building)

Essential structural protection for residential properties against fire, storm, earthquake, explosion, and natural disasters.

Target Client

Homeowners, property investors, residential landlords, and mortgage holders throughout Papua New Guinea towns and suburban centers.

• Fire, lightning, explosion, and smoke destruction
• Earthquake, tsunami, and subterranean tremors common in PNG
• Storm, rainwater, tempest, and tropical cyclone damage
Personal

Householders (Contents)

Comprehensive protection for domestic furniture, electronics, clothing, appliances, and valuables inside your residence.

Target Client

Tenants, homeowners, and expatriates living in private residences, compound townhouses, or apartments across Papua New Guinea.

• Burglary and theft involving forcible and violent entry
• Fire, smoke, lightning, and electrical power surge damage
• Water damage from burst geysers, pipes, or overflowing tanks
Business

Workers' Compensation

Mandatory statutory cover protecting employers against statutory liability for workplace injuries, death, and occupational illnesses under PNG Law.

Target Client

All registered PNG businesses, non-governmental organisations, statutory bodies, construction contractors, agricultural plantations, and retail enterprises employing staff in PNG.

• Statutory compensation for work-related death or permanent disablement
• Weekly income compensation during temporary total incapacity
• Medical, surgical, hospital, and ambulance expenses within PNG
Business

Public Liability

Protection against third-party bodily injury, property damage, and legal defense costs arising from commercial operations.

Target Client

Contractors, retail stores, professional service offices, hospitality operators, transport yards, logistics depots, and commercial facilities.

• Third party bodily injury compensation and medical costs
• Third party property damage compensation
• Legal defense costs and court approved settlements
Specialty

Medical and Repatriation

Comprehensive medical expense, emergency air ambulance evacuation, and repatriation cover across PNG and Asia-Pacific facilities.

Target Client

Corporate expatriates, key executives, fly-in fly-out (FIFO) personnel, PNG national managers, and families requiring international medical rescue security.

• Inpatient hospitalization, surgery, and specialist consultations
• 24/7 Dedicated emergency medical air ambulance evacuation to Cairns, Brisbane, or Singapore
• Companion travel and accommodation allowance during overseas hospitalization
Marine & Transit

Marine Transit / Cargo

Protecting raw commodities, imports, exports, and domestic coastal and Highlands freight against loss, piracy, and transit perils.

Target Client

Importers, exporters (coffee, cocoa, palm oil, copper, timber), freight forwarders, logistics firms, and retailers distributing goods across PNG.

• Institute Cargo Clauses (A) All Risks coverage
• Coastal and inter-island sea transit between all PNG ports
• Road transit from Lae Port to Goroka, Mount Hagen, and Tari
Marine & Transit

Marine Hull

Physical damage, machinery breakdown, and salvage cover for commercial tugs, barges, landing craft, and fishing vessels in PNG waters.

Target Client

Barge operators, coastal shipping companies, tug and workboat owners, passenger ferry operators, and commercial fishing fleets.

• Total and constructive total loss of the vessel
• Partial damage repairs following marine perils, grounding, or collision
• Running Down Clause (collision liability to other vessels)
Personal

Personal Accident

Lump sum compensation for death, permanent disability, and medical expenses resulting from unforeseen accidents 24/7.

Target Client

Individuals, self-employed contractors, sports club members, and corporate groups looking to provide enhanced staff welfare benefits.

• Accidental death lump-sum compensation
• Permanent total and partial disablement scales (loss of limbs/sight)
• Temporary total disablement weekly income allowance up to 104 weeks
Marine & Transit

Pleasure Craft

Tailored protection for private runabouts, sports fishing boats, catamarans, and speedboats exploring PNG islands and reefs.

Target Client

Private boat owners, recreational anglers, yacht club members (Royal Papua Yacht Club, Lae Yacht Club), and weekend mariners.

• Accidental loss, hull impact, submerging, and capsize
• Theft of boat, outboard motors, or navigation gear
• Third party property liability and water-skier liability up to K1,000,000
Business

Fire & Perils

Essential commercial building, plant, and stock insurance against fire, explosion, storm, earthquake, and defined perils.

Target Client

Small to medium businesses, shopkeepers, service companies, workshops, community churches, and regional trade stores across PNG provinces.

• Fire, lightning, subterranean heat, and explosion
• Earthquake shock and volcanic eruption in PNG risk zones
• Storm, tempest, rainwater, and windstorm damage
Personal

Travel Insurance (Domestic & International)

Comprehensive journey protection for international business, leisure trips, and domestic Air Niugini / PNG Air regional flights.

Target Client

Business travelers, families, students studying abroad, and holidaymakers departing from or traveling within Papua New Guinea.

• Emergency medical treatment overseas up to K2,000,000
• Air ambulance medical repatriation
• Trip cancellation and curtailment costs
Presentation Prototype: Indicative terms and coverage specifications shown for demonstration purposes. Formal policy wordings issued via WPI InsuredHQ administration.
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