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The Takaful Concept

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What Is Takaful?

Takaful is a simple co-operative way of financial protection that extends benefits to both participants and community according to Shariah. It is based on the principles of Ta-awun (cooperation), brotherhood and solidarity for financial aid between participants.



How Does It Work?

The contribution paid by the participant under the Takaful scheme is considered as a donation, and will be separated into two funds. Both funds will be managed by Tokio Marine Egypt General Takaful (Operator).

A portion of the contribution, which is placed in the Protection Fund and created by donations from participants will compensate losses occurring in the future. Therefore, the liability is spread amongst all policy holders, and all losses/profits will be shared between the participants and Tokio Marine Egypt General Takaful.



In What Way Is It Shariah Compliant?

A Shariah Board is an essential component in any Takaful operation, to ensure that all Tokio Marine Egypt General Takaful operations are Shariah compliant. The Shariah board is comprised of recognized Islamic scholars whose purpose is to monitor the company’s operational model and investment guidelines.

Tokio Marine Egypt General Takaful gives you peace of mind knowing that you, your loved ones and your business are protected and have the opportunity to help others through a trusted, fair and transparent Takaful system.



What types of insurance do I need ?

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Small Business

Small business insurance can help your business survive and prosper through the toughest times.
It can help cover the costs of liability claims and property damage. Without it, you may have to pay
those costs with your own business and personal assets. At a minimum, consider buying Public Liability and Business Property Insurance for your small business. Consider Employers’ Liability & Personal Accident Insurance if you have employees. If you or your employees will be driving for work purposes, you’ll want Comprehensive Motor Insurance as well.




MID-LARGE BUSINESS INSURANCE

Core coverages
Fire & Allied Perils
Insure your manufacturing plant against physical damage to your business property.
Public Liability
Protect your manufacturing plant from lawsuits and injuries. Other business insurance policies you may need
Comprehensive Motor
Protect the contents of the vehicles you use for your manufacturing operations.
Marine Inland
Protect your manufactured goods and other contents be transported in your company vehicles.
Employers’ Liability
Protect the employees of your manufacturing plant.
Machinery Breakdown
Help cover the costs of repairing or replacing forklifts, machinery and other equipment.
Business Interruption
Helps cover income that is lost due to suspension of your business operations. This includes common interruptions like property damage repair, system outages and more.




MEGA BUSINESS INSURANCE

In addition to the covers for Mid-large Business you might need:
• Comprehensive Motor for large “fleets”
• Directors’ and Officers’ Liability




Import/Export Business

Insuring your employees
Once you hire employees, you’ll need to think about caring for them. Employers’ Liability covers you for any illness or injury your employees might incur on the job.
Export Credit risk insurance
These policies protect you in the event that your foreign buyer decides not to pay you for either commercial or political reasons.
Marine Cargo insurance
in the event of a cargo misadventure, your insurance coverage should include enough to repay you for not only lost or damaged products but for your extra time and trouble and those lost profits.




Freight Forwarder

Most importantly you will need a Freight Forwarders Liability cover.
You can also insure your fleet of vehicles under a Comprehensive Motor policy and cover your office with our Business Shield policy.