We understand that running a successful business takes years of hard work and the
right partnerships. Ensure you're covered from top to bottom with our wide range
of benefits and Risk Solutions tailored to suit your business needs.
Fire & Allied Peril cover
Fire and allied peril cover is an insurance policy that protects you from
unexpected losses due to accidental fire, explosions, floods, and earthquakes.
Buildings Combined cover
Cover your property or properties, inclusive of fittings and fixtures, and stay
protected from the unexpected; such as loss of rent, fallen trees, accidental
damage, and theft. Ensuring your building is covered comprehensively.
Office Contents cover
Office contents cover refers to your movable office property. Not only can you
insure your office furniture, but your documents such as agreements, deeds, and
Wills can be covered too. You can insure office contents against a range of
nominated risks as well.
Business Interruption cover
Business interruption compensates your business against the financial impact
consequent upon physical damage to either your property or that of your
customers and suppliers.
Accounts receivable cover
Accounts receivable insurance covers your business against any losses caused by
the inability to collect payment from a customer for a variety of reasons.
Accounts receivable insurance covers your business against losses your business
might experience when you can’t collect payment from your customers.
We will cover your business contents against loss of damage after forcible and
violent entry or exit into your building, This section includes cover in the
event of an armed robbery. Our insurers also cover for damage to buildings as
well as damage to fixtures and fittings.
Money insurance protects you financially against the loss of, or damage to, your
money kept at your business or during transit. Always ensure that you have the
correct grading safe that is applicable to your sum insured.
Glass insurance is insurance coverage for glass installations on the property. It
can provide compensation for losses incurred as the result of a damaged or
completely broken piece of glass on a property, including sign writing. Glass is
often a part of one’s property in the form of windows and doors.
This class of insurance protects your business against losses incurred through
fraud, theft, or other acts of dishonesty which involve your employees. This
usually results in the dishonest personal financial gain for an employee.
Goods in transit cover
This product will cover your goods / subject matter insured from physical loss of
or damage while being transported from one place to another destination by
types of land conveyances.
Business All Risks Insurance
Business all risk cover is one of the most comprehensive types of cover available
under your business insurance policy. This covers items which belong to the
policyholder and are usually worn or taken away from the business risk
Accidental damage cover
Accidental damage insurance acts as a safety net, covering the accidental
physical loss of, or damage to property that is not covered in any other section
of the policy.
Public Liability cover
Public liability insurance is designed to protect your business from claims by
customers or clients in the event of accidental death, bodily injury, illness,
or accidental loss or damage to the property of another party.
Employers liability cover
Employers liability insurance covers damages for claims from an employee
sustaining personal injury in the course of their employment. It includes
defence costs incurred by investigating and/ or defending claims or proceedings
by the employee.
Group personal accident cover
Group personal accident policy assures that the claim gets settled quickly, in
case any employee dies or injured and suffers a permanent disability, temporary
total disability or any other medical expenses. The claim of the policy is paid
to the policyholder or his/her nominee.
The company will pay to the insured, on behalf of such person or his estate, the
compensation stated in the schedule in the event of accidental bodily injury to
any such person directly and independently of all other causes resulting within
24 calendar months in death or disability as specified in the schedule.
Business Vehicle insurance
Business vehicle insurance is designed to cover vehicles owned by businesses or
used for business purposes. Companies and organisations may insure any motorised
vehicles they own and use for business against risks like theft, fire,
accidents, and third-party claims with this type of cover. Different options of
cover may be selected and arranged either on a fleet or specified unit basis
Electronic equipment cover
Electronic equipment insurance is intended to cover all types of electronic
equipment within the business. This policy covers loss of, or damage to,
equipment described in the schedule at your premises, and when that property is
temporarily removed from your premises to any other location.
Motor Traders internal
Internal motor traders insurance provides cover for loss or damage to vehicles
whilst on your business premises for which you are legally liable for and that
is within your custody and your control.
Motor Traders External
External motor traders Insurance provides cover for loss or damage to Vehicles
kept on the premises,but whilst they still in your custody and control.
Machinery breakdown insurance is designed to provide indemnity for sudden and
unforeseen physical loss of or damage to the property insured. The indemnity
commences on completion of successful commissioning and testing of the machinery
at the insured’s premises.
Deterioration of stock following
Deterioration insurance covers damage to goods in cold storage caused by
temperature changes or equipment breakdown.