Business insurance for large organisations typically listed companies or large commercial businesses that have huge values or sums insured. Policy wordings for these business are tailored for specific clients taking into account their risks and exposures
Protection of the company’s building, plant and machinery, stock and raw materials, office & electronic equipment and other contents and physical assets including Business Interruption cover following an event insured in terms of the cover agreed upon.
• Machinery Breakdown – cover for sudden and unforseen breakdown of critical items of plant and machinery. Cover can (by request) also extend to cover Business Interruption following Machinery Breakdown.
• Plant All Risks – cover for mobile Plant and Equipment on an “all risks” basis
• Contractors All Risks – cover for construction projects or erection and installation projects.
With the Consumer Protection Act (CPA) being introduced in 2011, greater emphasis is now placed on the rights of the consumer with rights to claims against anyone in the chain from which the goods were supplied and / or services rendered.
Liability claims could devastate any company, irrespective of the size of the entity or the strength of their balance sheet, as this is usually unknown and difficult to quantify.
General Liability policies typically provide cover for liabilities as a Property Owner, Tenant or “General” liabilities. Cover can also be included for Products Liability (damage, death or injury arising out of the use of a product of the insured company) or Defective Workmanship (cover only for defective work, after it has been handed over). As this is a vast topic, details of cover cannot be explained on our website. Please Contact Us for any queries you may have concerning liabilities.
Protection for Directors / Officers when sued in their personal capacity following a wrongful act by stakeholders and shareholders.
Provides cover against various claims that could be laid against a company by its employees, ranging from unfair dismissals to sexual harassment.
Designed to meet the requirements of IT professionals requiring comprehensive errors and omissions coverage, combined with cyber liability coverage for third and first party e-commerce exposures.
Provides indemnity following either from a negligent act, or due to an error / omission causing a loss to a third-party.
(Can be included in “General Liability” policies) – cover for errors and omission on the part of the Insured (person or company).
Protects the Pension Fund and its trustees against possible claims relating to fraud and errors and omissions.
This is a specialist class of insurance which covers imports, exports, inland transit and cross border shipments. Cover is also available for pleasure crafts, hull and marine liabilities.
Provides cover for losses incurred by the companies through dishonest employees either working alone or in collusion with others. Also covers computer fraud, extortion, contractual penalties and fraudulent transfer instructions.
Cover for motor fleets on an unspecified or specified basis. Cover can be structured for optimal cost savings and self-insurance.
Cover for accident death or injury. Medical Expenses incurred and Dread disease cover can also be included.
Cover for business travel or employees to include sickness, injury or death. cover for baggage, curtailment and cancellation can also be included. We also cater for leisure travel only or leisure travel to be included with business travel.