EFU General Insurance Limited is a Pakistan-based company engaged in non-life insurance business, comprising fire and property, marine and motor. During the year ended December 31, 2011, the Company operated through 54 branches in Pakistan, including one branch in Jeddah, Saudi Arabia. The Company operates in four business segments: fire and property, marine, motor and miscellaneous. The Fire insurance segment provides insurance covers against damages caused by fire, riot and strike, explosion, earthquake, terrorism, atmospheric damage, flood, electric fluctuation and engineering losses. The Marine insurance segment provides coverage against cargo risk, war risk, aviation hull liability and inland transit damages. The Motor insurance segment provides vehicle coverage and indemnity against third party losses. The Miscellaneous insurance segment provides coverage against burglary, loss of cash in safe and cash in transit, personal accident, money and other coverages.