Commercial lines

Protect your business from the financial perils following loss or damage

From a dedicated all-risks policy to more bespoke covers, here are a few covers we offer businesses:

WIBA

A workman’s insurance policy providing cover against bodily injury by accident or disease arising out of and in the course of employment.

Public liability

Covers losses arising out of claims made by customers or the public in connection with your business.

Professional indemnity

Protects individuals or companies from bearing the full cost of defending against negligent claims made by clients.

Political violence

This policy covers the insured against the risk of loss or damage in the event of a political uprising or terrorist activity.

Plate glass

Our plate glass policy covers the costs of accidental breakage of or damage to plate glass on business premises.

Machinery breakdown

Covers the cost of repairs or replacement of damaged parts due to accidental damage to machinery.

Goods in transit

Offers compensation for damage or loss of transit goods due to mishandling, accidents, impact fires, theft and many other causes.

Fire and allied perils

Covers the risk of losses or damage incurred due to fire, lightning, flooding and a number of allied perils which differ from policy to policy.

Fidelity guarantee

Fidelity Guarantee insurance indemnifies the Insured against loss of money or other property as a direct result of fraud or dishonesty.

Employer's liability

Protects the employer against liabilities to workers who are not covered by WIBA or liabilities to workers suing the employer.

Contractor's all risk

Provides cover against losses due to property damage and third party liability that interrupts the smooth completion of contracts.

Commercial motor

This policy covers vehicles mainly used for the commercial transportation of goods or people. Protects against accidental loss.

Cash in transit

Covers the loss of cash withdrawn for business-related disbursements, while in direct transit from the bank to the Insured’s premises and cash for depositing in the bank, while in direct transit from the Insured’s premises to the Bank