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Commercial Insurance

Commercial or commercial lines insurance involves protection for businesses and organizations. Businesses purchase property insurance, liability insurance, workers compensation, automobile insurance and a variety of other policies designed to protect the assets of the organization in the event of an unexpected loss.

Burglary

For Office & Commercial Premises
Covers loss or damage to the Insured’s property as a result of theft or attempted theft (following forcible or violent entry to or exit from the premises) including hold-up.

Commercial Vehicle

For Commercial Use
Vehicles that are not used for social, domestic and pleasure purposes only. Any type of vehicle that is used for the carriage of goods is considered a commercial vehicle. Examples of these vehicles are not limited to only pick ups and motor trucks.

Commercial Motor Policy Wording

To view our policy wording, please click the link below.

Commercial Motor Policy Wording

Computer

For Computer & Other Electronic Equipment In Commercial Premises
Covers All Risks of loss or damage to the equipment listed (includes additional covers for Data media and Increased Cost of processing after an insured event)

Employer Liability

For Anyone With Employees
Covers the Insured’s legal liability to their employees in respect of accidental death, bodily injury or disease arising out of and during the course of their employment. (Remember employers liability does not replace Medical or Accident Insurance)

Fidelity Guarantee

For Anyone With Employees
Covers the direct pecuniary losses which results from acts of fraud and dishonesty committed by employees.

Insurers are especially interested in the persons handling the cash and the system of supervision and checks and balances.

Goods In Transit

For Goods In The Course Of Delivery
Covers all risk of physical damage to goods or property belonging to the Insured or for which they are responsible whilst the items are in transit. It also covers the items whilst they are temporarily housed in the course of transit. Insurers are specially interested in the travel route and the type of goods being transported and the security measures in place.

Loss Of Profit

For Business Interruptions
Covers loss of profit due to a reduction in turnover, consequent upon damage at the insured premises by fire and allied perils as per the fire policy.

Money

For Money (Cash, Cheques And The Like) In Transit
Provides cover for the loss of money generated in the business whilst on the premises or in transit to or from the bank. Cover includes hold-up and damage to your safe. Insurers are interested in the size of lodgments, who takes the money to the bank, the precautions taken, the method of transportation and the security of the premises.

Plate Glass

For Glass In Buildings
Covers accidental breakage of fixed glass.

Property – All Risk

For Commercial Or Personal Buildings And Contents
The major perils covered are fire, lightning, explosion, storm, windstorm, earthquake, hurricane, flood, malicious damage, impact and overflowing or burst water pipes. For this cover insurers are interested in the use of property, the fire protection in place, the construction of the buildings and the flood risk.

Public Liability

For Anyone who interacts with or provides services to the public
Covers the Insured’s legal liability for death or bodily injury sustained by other persons caused by the negligent acts arising from the operation of the insured business. Also applies to public events e.g. concerts, expositions etc.