COMMERCIAL PROPERTY & CASUALTY INSURANCE

Fire & Special Perils

Cover is provided for Property of the Insured including Buildings, Walls, Gates, Fences, Plant, Machinery & Equipment, Stock, Furniture, Fixtures & Fittings and all other contents.

PERILS COVERED

Fire, Lighting, Explosion, Riot & Strike, Malicious Damage, Hurricane, Cyclone, Tornado, Windstorm, Earthquake & Volcanic Eruption, Flood, Burst Pipes, Aircraft Damage, Impact Damage, Bush Fire, Spontaneous Combustion, Smoke Damage.

Contractors All Risk

The Contractor’s All Risks Policy is designed to protect against the cost of unforeseen loss or damage to building and civil works during the Contract Period. The Policy enables the Contractor to comply with the insurance requirements of the Contract with respect to material damage to the “Contract Work” itself, as well as the legal liability for bodily injury and property damage to third parties. Insurance of the Construction Plant and Equipment associated with the “contract Work” is also provided under this policy.

Erection of Plant and Machinery requires similar insurance to that needed for building and civil contracts. The Erection All Risks Policy is written specifically to cater for these types of contracts.

The Policy is subject to various Conditions, Exceptions, Limits and Excesses. A specimen copy of the Policy is available on request.

Biz Secure

The Small Business Plus Policy is specially designed to meet the insurance needs of the small retail business with an annual turnover of between $250,000.00 and $3,000,000.00 under one comprehensive policy. Affordability, flexibility and security have been emphasised in providing the cover.

The individual covers that are provided under the policy are Fire and Special Perils, Loss of Money, Fidelity Guarantee, Burglary, Goods in Transit, Liability and Business Interruption.

The Policy is subject to various Conditions, Exceptions, Limits and Excesses. A specimen copy of the Policy is available on request.

Property All Risk

Property all risk combines the coverage of Fire & Special Perils and Burglary. Please refer to both.

Public Liability

Covers liability to third parties for property damage or bodily injury as a result of the insured’s operations or business.

Workmen's Compensation

Covers accidental death and or bodily injury including illness or disease to all employees, arising out of and during the course of employment in accordance with the Workmens’ Compensation Act, and Common Law.

Burglary

The Burglary Policy is designed for commercial risks and it covers property as declared by the Insured and detailed in the Policy Schedule against loss of property/contents by theft following actual Forcible and Violent Entry into and upon the Premises as described in the Policy Schedule. The Policy also covers damage to the property or to the Premises failing to be borne by the Insured, due to actual Forcible and Violent Entry into and upon the Premises as described in the Policy Schedule.

The Policy is subject to various Conditions, Exceptions, Limits and Excesses. A specimen copy of the Policy is available on request.