Business and Office Combined Policy

We offer one of most comprehensive policy of the market for the protection of your business’s property, legal liability and loss of money. Cover under our Business and Office Combined policy allows you to conduct your day-to-day business without the stress of uncertainty in the event of an adverse development.

What we cover

This cover deals with four main areas, that of Contents, Building, Public Liability and Cash. More specifically, the following benefits are offered under this policy:

Contents

This applies to loss of or damage to the whole contents in the premises including fixtures and fittings, equipment, machinery or installations and the property of the insured’s employees caused by:

• Fire, lightning, explosion or subterranean fire
• Explosion
• Bursting of overflowing of water tanks, apparatus or pipes
• Aircraft collision or vehicle impact
• Theft following forcible and violent entry
• Malicious damage, riots, strikes or labour disturbances
• Earthquake or Volcanic Eruption
• Natural Perils including flood

Building

This applies to loss of or damage to the building of the insured’s office premises, store rooms and all outbuildings caused by all the perils mentioned above.

Public Liability

This covers the insured against legal liability to pay compensation in respect of bodily injury to, or illness of any person, loss or damage to third party property that occurred on the insured’s premises.

Cash

Loss of money belonging to the insured or for which he is responsible for, whilst the money is in the premises or in transit between premises and the bank.