The Guardian Insurance Broker

We are Guardian Insurance Broker, Inc, (GIB), a leading global insurance organization providing a wide range of property casualty insurance and other financial services.

Guardian Insurance Broker Inc. (GIB) is a leading global insurance organization. GIB member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security. GIB common stock is listed on the Erbil Stock Exchange.

GIB is the marketing name for the worldwide property-casualty, life, and retirement and general insurance operations of Guardian Insurance Broker Inc. All products and services are written or provided by subsidiaries or affiliates of Guardian Insurance Broker, Inc. Products or services may not be available in all countries and jurisdictions, and coverage is subject to underwriting requirements and actual policy language. Non-insurance products and services may be provided by independent third parties. Certain property-casualty coverages may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds, and insureds are therefore not protected by such funds.

Property & Assets

What is Property & Assets?

Property and assets insurance, also known as property and casualty insurance or simply property insurance, is a type of insurance coverage that protects individuals, businesses, and organizations from financial losses related to damages or losses of their valuable properties and assets. This insurance typically provides coverage for physical items, such as buildings, vehicles, equipment.

  1. Real Estate: Real estate refers to land and any buildings or structures permanently attached to it. This includes residential properties (houses, apartments), commercial properties (offices, retail stores), industrial properties (factories, warehouses), and vacant land.

  2. Vehicles: Vehicles are assets used for transportation, including cars, trucks, motorcycles, boats, and aircraft.

  3. Equipment: Equipment represents tools, machinery, and other devices used in various industries and businesses. It can include items like computers, construction machinery, medical equipment, and manufacturing tools.

  4. Intellectual Property: Intellectual property (IP) refers to creations of the mind, such as inventions, literary and artistic works, symbols, names, images, and designs used in commerce. Common types of IP include patents, trademarks, copyrights, and trade secrets.

  5. Financial Assets: Financial assets are intangible assets representing ownership of financial instruments or investments. Examples include stocks, bonds, mutual funds, certificates of deposit (CDs), and retirement accounts.


frequently asked questions

Insurance premiums are calculated based on several factors, including the type and level of coverage, the value of insured assets, the location of the property, the policyholder's claims history, and the level of risk associated with the insured property or assets.

Yes, insurance companies often allow policyholders to customize their coverage by adding riders or endorsements to extend protection for specific risks that may not be covered under the standard policy.

In the event of a covered loss or damage, policyholders can contact their insurance company to file a claim. The insurance company will guide the policyholder through the claims process, which typically involves providing documentation and evidence of the loss.

Accurate property valuation is essential to ensure that the insurance coverage adequately protects the value of the insured property or assets. Underinsuring can lead to receiving insufficient compensation in the event of a claim, while overinsuring may result in higher premiums than necessary.

It is recommended to review your property and assets insurance coverage annually or whenever there are significant changes to your property or assets. This includes renovations, acquisitions, disposals, or changes in property use.

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