General Insurance
Preserve high-value tangible assets, automobiles, real estate, and global transit cargo through comprehensive non-life insurance structuring.
Indemnifying Physical & Operational Wealth
General insurance covers non-life assets against unforeseen accidental damage, natural catastrophes, theft, and legal liabilities. From multi-million dollar residential estates and corporate fleets to international shipping cargo, structured non-life coverage transfers replacement risk off your balance sheet.
SALLET works with top global underwriters to negotiate bespoke endorsements, eliminating onerous warranty clauses that lead to claim disputes.
Asset Coverage Solutions
Motor & Luxury Fleet Insurance
Zero-depreciation bumper-to-bumper protection, engine safeguard, return-to-invoice (RTI) coverage, and roadside assistance for high-value vehicles.
Residential Property & Home Contents
Safeguards structure and high-end interiors, luxury furniture, home appliances, art, and jewelry against fire, flood, earthquake, and burglary.
International Travel Protection
Worldwide emergency medical hospitalization, baggage loss, passport theft, emergency evacuation, and trip interruption cover for global executives.
Marine Cargo & Transit Logistics
All-risk Institute Cargo Clauses (A) indemnifying international freight, multimodal domestic transport, and supply chain inventory losses.
Key Advantages of Comprehensive Asset Insurance
Physical Wealth Preservation
Ensures natural disasters, transit accidents, or accidental structural damage do not create catastrophic capital losses.
Return to Invoice (RTI) Advantage
In the event of total vehicle loss or theft, RTI pays the full original on-road purchase price rather than depreciated market value.
Global Emergency Network
24/7 multinational claims assistance desks providing cashless hospital admission and emergency logistics anywhere in the world.
Rigorous Policy Drafting
We audit exclusion clauses and deductibles to prevent insurance repudiation during complex commercial and residential claims.
- •Always insure property on "Reinstatement Value / Reconstruction Cost" basis rather than market land value to guarantee full rebuilding funds.
- •Review the Deductible (Excess): a higher voluntary deductible lowers your premium but requires paying more out-of-pocket per incident.
- •For motor vehicles over 3-5 years old, ensure zero-depreciation and consumable riders remain active to avoid high out-of-pocket repair costs.
- •Keep updated video and photographic inventories of high-value home contents, jewelry, and art to streamline claim approvals.
Frequently Asked Questions
How does Home Insurance calculate building vs contents coverage?
Building structure insurance is calculated based on the square footage reconstruction cost (excluding land price), while contents insurance is valued based on the replacement cost of electronics, furniture, appliances, and valuables.
What is the benefit of Zero-Depreciation Motor Insurance?
Standard motor insurance deducts up to 50% depreciation on rubber, plastic, and metal parts during accident claims. Zero-depreciation coverage forces the insurer to pay 100% of replacement parts and labor.
Does International Travel Insurance cover pre-existing medical conditions?
Most standard travel policies exclude pre-existing conditions unless specifically structured with a life-threatening emergency complication rider.
Protect Your Valuable Tangible Assets with SALLET
Not sure where to start? Whether you’re exploring mutual funds, risk insurance, commercial debt, or enterprise restructuring, our advisory team is here to provide objective clarity.