Business Insurance

To comply with government laws or regulations.

To protect your business assets from theft or damage 

To protect your business in the event of a lawsuit or liability claim 

To protect your business assets from Natural Disasters 

To protect your business from Employee fraud.

Fire & Perils Insurance:  Covers business property from perils such as fire, lightning, earthquakes, malicious damage, storms, floods, burst pipes etc.

Burglary Insurance: Covers business property from theft or attempted theft.

All Risk Insurance:  Covers specific business property from all risks unless specifically excluded, inside or out of the business premises

Goods In Transit:  Covers loss or damage to goods while in transit by road, rail, waterway etc. from the time of leaving the business premises to final delivery or destination.

Money or Cash In Transit Insurance: Covers loss of money while in transit from the time of leaving the business premises to final destination.

Electronic Equipment Insurance:  Covers electronic equipment such as computers, medical equipment e.g. X-ray equipment, Telecommunication equipment e.g. Radio or TV equipment, Studio equipment etc. against sudden and unforeseen loss or damage necessitating repair or replacement

Business Interruption Insurance:  Also known as Consequential Loss Insurance covers loss of income and increased costs of working including salaries and wages as a result of interruption due to damage of business property or premises by fire and other perils.

Fidelity Guarantee Insurance: Covers loss of money, stock or property as a result of fraudulent or dishonest acts of an employee.

Cyber Liability Insurance: Covers your business against cyber extortion by hackers e.g. ransom ware, data corruption or destruction by an employee and claims against your business for failing to secure customers’ personal data or unauthorized use of copyrighted or trademarked intellectual property. 

Political Violence, Terrorism and Sabotage Insurance: Covers loss or damage as a result of acts of political violence such as riots, strikes, civil commotion, revolution, war, civil war, rebellion, insurrection, sabotage, coup d’état, terrorism and malicious damage.