Commercial Insurance

This policy contains property coverage for your buildings, contents, stock, furniture, fixtures , fittings, equipment, tools, fire, hurricane, flood, malicious damages, explosion, riot and strike, burst water pipes, explosion etc. This policy is a must to protect your investment.

Your computers and other electronic equipment are an integral part of your business and it is for that reason that you need to insure them. The policy covers damage to computers and other electronic equipment whether on, or temporarily removed from the premises for cleaning, renovation or repairs.

We provide coverage which will protect your business against loss of profits and continuing expenses as a result of fire, hurricane, flood and other insured perils.

Directors & Officer Liability Insurance is a standard life insurance policy that is used for business succession or business protection purposes. It is an insurance policy taken out by a business to be compensated for financial losses that would arise from the death or extended incapacity of an important member or Key Person of the business.

Provides cover for physical damage to your property that is insured as well as an element of public liability cover pertaining to accidental bodily injury or death to any person or accidental loss or damage to property which occurs on the job site a construction project.

This is an insurance policy which covers the lender if you default on your loan. A Mortgage Indemnity Guarantee does not offer you any protection, it is cover in the event that you are unable to pay a mortgage. The property will be repossessed and sold, after which the lender can still pursue the mortgagor for a shortfall if the amount raised by the sale does not cover the debt.

Your vehicle is a valuable and important asset to your company’s success. A commercial motor or fleet insurance policy covers your vehicles against loss or damage resulting from destruction, theft, or accidental damage.

This type of policy covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

Employers’ liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness if you are deemed to be negligent whether they are caused on or off site. However, any injuries and illness relating to motor accidents that occur while your employees are working for you may be covered separately by your motor insurance.

You need to protect your future and the future of your organisation against claims for which you are legally liable. Our public liability policies will provide the coverage you require for claims made against you by members of the public or other businesses.

Almost all businesses handle money in some form – cash, cheques, credit card slips and bankers’ drafts, making this form of insurance essential for businesses large and small. Cash In Transit Insurance covers loss of business money on business premises, or when carried by the insured or other employees, and personal accident cover is also included for those carrying money.

Full protection of your contents and stock against theft is important. Our burglary insurance policy is therefore designed to ensure that your valuable possessions are adequately protected.

This policy covers specific losses that may occur during your business trip. You may be covered for incidents including loss or damage to baggage, cancellation or curtailment of trip, personal accident or medical expenses.

This type of policy covers you against accidental bodily injury during the course of business.

Fidelity Guarantee covers you for loss of money or property as a result of fraud, theft or dishonesty by an employee.

Our money insurance policy will provide you with coverage against loss of money as a result of theft or holdup. Additional coverage against loss or damage to your safe or strong room and personal accident assault coverage for your courier is also available.

We offer coverage against theft, loss or damage to goods which are in transit in a securely locked vehicle.

Coverage is provided for accidental breakage of glass panes, including the cost of replacement and the cost of reasonably and properly boarding up following breakage of the insured glass.

Professional indemnity insurance is designed for professionals who provide advice or services to their customers. It protects your business against legal costs and claims by third parties for damages arising from acts, omissions or breaches of professional duty in the course of your business.