Buildings (combined)
Provides insurance for buildings and may also include public supply connections, rent, liability and burst or accidentally damaged geysers.
Business Interruption Cover
One of the most critical areas for which a business needs insurance, we can provide cover against the loss of gross profit, gross rentals, revenue, additional increases in the cost of working, wages, fines and penalties for breach of contract.
Additional cover: At a small additional monthly premium, you can also extend your cover to insure your business against prevention of access cover and loss resulting from interruption of, or interference with the business as a consequence of damage at the premises of suppliers/sub-contractors and customers
Office Contents Cover
Most businesses will need this form of cover, which provides insurance against Fire, Lightning, Explosion, Storm, Wind, Water, Hail, Snow, Earthquake and Malicious Damage. It is for contents, rent, documents, legal liability documents and increase in cost of working.
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Additional Cover: You may also extend the cover to protect the property against theft or burglary Note: This cover does not include computers, laptops, and iPads.
Includes cover for loss of, or damage to internal and external glass (including mirrors), as well as any sign-written glass.
Additional Cover: you can include cover for costs relating to the boarding up of windows, damage to shop fronts, frames, window displays (including fixtures and fittings), burglar alarm strips, wires and vibrators and the removal and re-installation of fixtures and fittings
Glass
Business All Risk
Provides comprehensive cover for the loss of, or damage to equipment on your premises or while it is off your premises anywhere in the world, ranging from commercial travellers’ samples, tools, cameras, CCTV installations, generators and pumps.
Provides cover against loss of money and/or direct financial loss sustained by the insured as a result of fraud or dishonesty by an insured employee, and may also cover costs of recovery from the employee.
Fidelity insurance
Provides cover for fixed amounts, or amounts relating to the annual remuneration of employees, following bodily injury caused by accidental, violent, external and visible means to any specified principal, partner, director or employee of the insured business, which results in death, permanent disability or temporary total disability and/or medical expenses.
Personal Accident/Stated Benefits Cover
Computers and other electronic equipment are an integral part of your business and you therefore need to insure them properly.
Electronic business equipment, such as desktop computers, printers, modems, scanners, PABXs and servers, as well as portable business equipment, such as laptops, notebooks and PDAs.
Additional Cover
Can also be extended to include costs for increase in the cost of working or the reinstatement of data/programmes.
Electronic Equipment Cover
The breakdown of your plant or machinery will have a negative impact on the running of your business.
This section covers reduction in turnover and increased working following a machinery breakdown/ loss (if insured in terms of the machinery breakdown section)
BUSINESS INTERRUPTION (FOLLOWING MACHINERY BREAKDOWN)
Fire Insurance Cover
Essential cover for assets such as plant, machinery and equipment, contents and stock in trade. The cover is against damage caused by: Fire, Lightning, Explosion, Storm ,Wind, Water, Hail, Snow, Earthquake, Malicious Damage and Aircraft impact. In addition, fire extinguishing charges and architects’ or other professional fees may also be included.
Theft
Insurance for loss or damage to business contents as a result of theft accompanied by forcible and violent entry into, or exit from the building, as well as theft following violence or the threat of violence e.g. during an armed robbery. In addition, up to certain limits, insurance under this section can include cover for damage to the building, including landlord’s fixtures and fittings and the cost of replacing locks and keys to any insured premises following the disappearance of keys to the premises.
Money
Insuring money held on your premises, as well as whilst in transit to and from the bank. We also cover loss or damage to receptacles such as cash registers, safes and even strong rooms, as well as personal accident assault, up to certain limits.
Goods are often damaged(fire, explosion, collision, derailment, vehicle overturning and other options).or stolen while being transported, which is why you need to ensure that you are covered for this risk.
Types of Cover:
Comprehensive cover
Limited cover (damage caused by fire, collision or vehicle overturning)
Limited cover that includes theft and hijackings
Goods in transit
It is difficult to think of everything that can have an impact on your business. Sometimes extraordinary events occur that are not insured anywhere else on a policy (e.g. collapse of shelving). Accidental damage provides cover for these circumstances as long as they are not insured under another section of a policy.
Accidental damage
A public liability policy covers the insured’s liability to third parties arising out of injury or damage caused by the insured in the course of its business activities.
Different types of cover
Broadform Liability Cover – Broadform Liability is similar to Public Liability but it provides wider cover.
Umbrella Liability Cover – Can be selected for small and medium commercial enterprises where premiums fall below certain limits. Cover includes indemnity for damages, costs, fees and expenses.
Note: With CPA there are certain industries/sectors that are more exposed to risk in terms of liability. Therefore, inform us exact nature of your business, particularly if you are involved in the supply of products, whether you are manufacturing or merely distributing/selling these products on behalf of another company.
Public liability
Provides cover for the loss of, or damage to your business vehicles, ranging from motor cars, light delivery vehicles, busses, trucks, trailers, caravans, motorcycles and special type vehicles such as forklifts, goods carrying trolleys and quad bikes. Cover can also be extended to include bulldozers, excavators and cranes. In addition, subject to certain limits, we may provide cover for liability to third parties. There are various types of cover.
Cover options include:
Comprehensive cover – all risks
Limited cover – third party, fire and theft
Limited cover – third party only
Vehicles
Your machinery may be covered under the fire and theft section, however in some instances you may incur accidental damage to your equipment and machinery.
Machinery breakdown covers loss or damage caused by:
Lack of skill of the operator
Carelessness
Short circuits
Machinery
DETERIORATION OF STOCK
Breakdown of machinery may result in the loss of refrigerated stock. Cover is provided for this occurrence (provided the machinery was insured in terms of the machinery breakdown section).
