Insurance Services

Business interruption insurance insures businesses, of any size, against loss of income in the event of a disaster. The main requirement of the insurance is that the business must have building insurance package or comprehensive insurance policy. Types of disasters include the closing of the business premises or due to the rebuilding process after a disaster.

Business owner’s insurance is a comprehensive commercial insurance designed for all sizes of businesses. The policy covers for all eventualities including fire, explosion, wind damage, vandalism, and smoke damage. Types of property covered by a BOP include buildings (owned or rented, including outdoors) and personal business property.

Company vehicle insurance is a group insurance for all vehicles owned or leased by a company. Company vehicle insurance provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from any accidents.

Cyber insurance is available to counter the effects of service attacks, phishing, viruses, worms, intrusions of various kinds, hacking, eavesdropping, and spams on both businesses and individuals. Cyber insurance provides a way to help businesses recover losses and return to normal after a cyber issue.

Employer’s liability insurance is also known as compulsory insurance and is a legal requirement for any business employing more than one person. The insurance protects the employer against the cost of compensation claims arising from employee illness or injury, sustained as a result of their work for the business.

Office insurance is also called Business Owners Policy (BOP) and covers general liability, business incoming, business property, employee dishonesty and electronic equipment. The purpose of the office insurance is to cover against the unexpected, like slip, trip and fire damage.

Product liability insurance protects manufacturers, suppliers, distributors, retailers and importers against the eventuality that their product might cause injury to a person or damage to property. It is an important insurance due to the complications in assigning blame in case of a product causing injury or damage and provides total coverage for businesses.

Professional indemnity insurance helps protect consultants, brokers, layers, NGOs, engineering business, financial medical services, and construction and maintenance and transport companies against the financial cost of any negligence claim made by a client or customer. In which case, professional indemnity insurance also protects against damages awarded in such a civil lawsuit.

Property insurance protects any property owner (both personal and commercial) against most risks to properties including fire, theft and some weather damage. Types of property insurance can include property insurance, homeowners’ insurance, renters’ insurance, flood insurance and earthquake insurance.

Public liability insurance protects businesses if clients or members of the public suffer personal injury or property damage and the fault lies with the business. The insurance covers compensation claims for injuries to a third party or damage to their property as well as legal costs.

Other products that didn't quite fit into any of the above categories.