There are different types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies should evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates.

SME Packages

• Office

  Covering a wide range of office-based businesses, including: Management consultancy, Recruitment, Accountancy, IT consultancy, Law, Marketing. The plans provide coverage for your property, employees and more. Policies are written on an annual basis.

• Food and Beverage

  Restaurants, Cafés, Food stands, Food courts, Catering, Bakeries, Food delivery services, Takeaway services. The plans provide coverage for your property, employees and more. Policies are written on an annual basis.

• Retail

  Covering a wide range of retail businesses, including: Electronics, Fashion, Home appliances, Cosmetics, Medicine, Furniture, Optical, Groceries. Policies are written on an annual basis.

• Personal Services

  Barbershops, Beauty / Hairdressing / Tanning salons, Spas, Weight loss centres, Fitness centres. The plans provide coverage for your property, employees and more. Policies are written on an annual basis.

• Clinics

  Medical laboratories, Dental clinics. The plans provide coverage for your property, employees and more. Policies are written on an annual basis.

• Learning Center

  Child day care centres, Elementary and secondary schools, Colleges, Universities, Professional schools, Libraries, Music schools. Policies are written on an annual basis.

Financial Lines

• Cyber Insurance

  In the event of a cyber attack, it insures the cost of notice, data restoration, business interruption and provides IT expert services.

• Directors and Officers Liability

  Covers the company director or officer against allegations of wrongful acts or breach of duty in the course of doing their job on behalf of the company.

• Errors and Omissions

  Protects companies, their workers, and other professionals against legal liability claims due to inadequate work or negligent actions. Covers both legal costs and any settlements up to the amount specified by the insurance policy.

• Fidelity Guarantee

  Insured against the loss of money or property belonging to the Insured as the direct result of any act of Fraud or Dishonesty committed by the Employee as described in the Schedule.

• Performance Bond

  Protect the owner against possible losses in a case a contractor fails to perform or fulfil their contractual obligations.

• Professional Liability

  To protect professionals against claim due to negligence, misrepresentation and wrongful acts in the provision professional services.

Liability

• Commercial General Liability

  Provides coverage against legal liabilities arising from your business operations (products, completed operations, bodily injury/ personal injury, insured premises).

• Contactor All Risk

  Comprehensive coverage for material damage and liability during the construction and maintenance period of the project

• Product Liability

  Covers operator who manufactures, suppliers and distributors against legal liability such as bodily injury and property damage arising from product failure or defective products.

• Public Liability

  Compensate for claims in the case of third parties’ death or injury following an accident that your business is responsible for.

Marine

• Bailees Liability

  Covers your legal liability for physical loss or damage to customers’ good in your care from your business operation as a transporter or warehouse operator

• Marine Cargo

  Cover against risks of loss or damage for goods in transit.

Property

• Fire and Insured Perils

  Cover loss or damage to your physical assets/real and personal property caused by Fire or Insured Perils.

• Business Interruption

  Cover for your loss profits you may incur if your business is interrupted because of loss, destruction or damage by an insured event.

• All Risk

  You can cover physical assets and commercial property against accidental loss, destruction or damage by an insured event.

• Money Insurance

  Cover you for any loss or damage to your money whether in a locked drawer on premises or in transit to the bank.

• Equipment or Machines All Risk

  Insured for the cost of repair, reinstatement, or replacement arising from accidental loss or damage to your equipment or machines whether in your premise or at a job site.