Commercial Insurance Mbabane & Manzini

Commercial Insurance is designed to offer business comprehensive risk cover no matter the size or type of business or how diverse your needs are.

Every business needs to protect its:-

• Assets
• Liabilities
• Future Earnings
• Employees

The following types of cover are available

FIRE AND ALLIED PERILS

A fire and perils policy will cover buildings, plant and machinery, stock and other contents for various perils.
Provides protection against loss or damage caused by, fire, lightning, explosion, earthquake, storm, wind, water, hail, impact by animals, vehicles or droppings from aircraft and other aerial devices, non–political riot strike and civil commotion.

BUILDINGS COMBINED

This type of policy is designed to cover low risk buildings such as office buildings, residential flats, schools, hospitals etc.provides protection to the insured buildings against fire, lightning, explosion, storm, earthquake, bursting/overflowing of water tanks, apparatus pipes including damage to apparatus, accidental impact to the exterior portion of the buildings, strike, riot, civil commotion and malicious damage, theft or attempted theft to be accompanied by actual forcible and violent entry into or exit from the buildings.Loss of rent as a result of the property insured being damaged by any of the perils specified as to be rendered untenantable is covered as well as damages for which the insured may become legally liable to pay consequent upon accidental death of or bodily injury to or illness of any person or accidental loss of or physical damage to tangible property.

OFFICE CONTENTS

Loss or damage to office contentsProvides protection for loss or damage to the contents of the offices by a variety of insured perils including theft while in the premises.

BUSINESS INTERRUPTION

This is designed to cover consequential losses as a result of damage to buildings, stock and machinery etc.Business Interruption Insurance provides cover against loss following interruptions of or interference with the business of the insured in consequence of damage occurring during the period of insurance in respect of which payment has been made or liability has been admitted under a fire and perils policy.

THEFT

Protects against lose due to theft or any attempted theft accompanied by violent and forcible access to or from the premises include damage to the premises.
Cover provides protection to the contents of the premises including property held in trust or on commission for which the insured is responsible.

MONEY

Money Insurance provides protection against loss or damage to money in the following events:

• Money in the residence of directors or employees
• Money not contained in a locked safe/stron