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Fire and Accident

Fire and Accident

This policy will indemnify the insured against the loss of or damage to the property insured arising from the dangers of fire or accidents

Business Protection
This policy covers small to medium size businesses for all types of property other than that used for private or domestic purposes.
Assets All Risks 
This policy covers large businesses with sizeable asset bases against loss of or damage to property caused by fire and allied perils which include storms ,burst pipes ,floods, impact (by any road vehicles, horses or cattle) ,explosion, earthquake ,aircraft ,non-political riots and malicious damage.

Consequential Loss/Loss of Profits
Covers loss of or reduction in Gross profit consequent upon interference or interruption to the Business caused by any of the risks covered under the Business plan or Assets All Risks Policy.

Accounts Receivable
Covers resultant loss or damage to records of customer accounts resulting in the inability to trace or establish outstanding balances.

Burglary
Covers theft of contents from premises following forcible and violent entry into or exit from the premises and damage resulting from such theft or attempted theft.
Money 
Covers loss of cash, cheques and other negotiable instruments due to insured perils on the premises and or in transit.

Glass
Covers accidental breakage of internal and external glass, lettering or ornamental.

Goods in Transit
Covers accidental loss or damage to property whilst in transit by rail, road or air.

Fidelity
Covers the insured against loss of money or any other direct financial loss caused by the dishonesty of any of his employees. This applies to contract as well as all other employees.

Group Personal Accident
As an employer you require peace of mind with regards your employees� welfare. The personal accident policy provides you with 24 hour cover against accidental death or Injury to your employees caused by violent, visible and external means.

Farming Comprehensive 
Covers all property on the farm including the following:

  •  Crops (Field To Floor)
  • Livestock
  • Tobacco hail (Field To Floor)

We also offer Loan Protection cover for contract farmers.