What is covered
With our Business Secure pack, depending on your activity, the only covers we need you to take are the essential covers: property all risks, public liability, worker’s compensation and employer’ liability. They are required by free zones authorities, local regulators and financial institutions.
You can then choose additional protection from a large list of covers. . For each cover, you will be able to select the level of protection that best suits your needs.
As you will tailor your quote with our SME expert, you will get the advantage of a packaged coverage – ensuring better value for money than if you purchased each cover separately.
Choose from the following cover
You will be covered while you are away from your premises (worldwide) for the loss or damage to your portable and / or mobile business equipment.
It will cover the structure of your premises, as well as fixtures, fittings and improvements, in the event of accidental loss, destruction or damage.
If you provide professional services to clients – like advice, consultancy or design – we will cover you in the event of a claim against you for a mistake that’s caused your client to lose money.
We will cover additional expenditure reasonably incurred by you for the purpose of avoiding or diminishing a business interruption in consequence of loss or damage to your property.
You will be covered against loss of money or goods caused by fraud or dishonesty committed by your employees.
You and your staff will be covered in case of an injury resulting in death, permanent total disablement or permanent partial disablement.
Directors and Officers
We will cover any directors and officers against any claim for any wrongful act committed by them in the capacity as a director or officer.
Loss of Profits
If your business suffers a loss of income after an incident at your premises, we’ll pay you for loss of profit and continuing overheads including employee wages.
Money in Transit
Will cover you for money that’s lost or stolen when you’re carrying it to the banks.
Will cover you for money that’s lost or stolen from your premises or your home.
You will be covered against computer breakdown which directly causes the deterioration or destruction of computer equipment.
You are covered for loss or damage to machinery.
You will be covered for loss or damage to stock and materials in trade while contained at the premises.
We will cover you for your legal liability to pay damages to third parties arising from injury or damage to third parties in connection with any product you have manufactured, sold or distributed.
Goods in Transit
We'll cover you if your goods or toolsare lost or damaged while in transit, either in vehicles owned or operated by youor carried by a third party like DHL.
Customers’ personal effects
You will be covered for damage or destruction of your customers’ personal effects whilst at your premises.