Business Insurance

This insurance package is typically designed for small to medium size business enterprises and provides coverage for both Assets and Liabilities within the framework of one policy.

Key Features

Fire and Other Damage

Cover for your building and business contents & stock for certain specified events such as fire, storm (but not flood), impact, lightning, explosion, earthquake. Also included is the cost of removing debris

Accidental Damage

Covers you for accidental loss or damage to the property insured at your business situation.


Cover for theft of stock, electronic equipment and other business contents contained within your building, following forced & violent entry.

Business Interruption

Covers you for loss of gross profit or gross rentals resulting from interruption of or interference with your business caused by damage for which you are insured under either Fire and other damage, Accident damage or Burglary policy sections.

General Property

Cover for items of your choice such as mobile phones and laptop computers, whether in the office or out.


Covers the replacement value of broken glass. Also includes the cost of temporary shuttering, replacement of sign writing, repairing plastic signs up to Insurer’s Limit, and the cost value of stock spoiled by the broken glass.

Public and Products Liability

Covers your legal liability for personal injury or damage to property caused by an occurrence connected with your business.

Other insurance covers

  • Money;
  • Goods in Transit;
  • Fraud and Dishonesty;
  • Equipment Breakdown (including mechanical and electronic equipment);
  • Tax Audit; and
  • Personal Accident and Illness.