Assets All Risk
This policy covers all commercial property owned by a company against stated perils, the major perils covered are:-
- Fire and Allied perils
- Goods in Transit
- Business All Risk
- Employee Personal Effects
- Business Interruption – Loss of profit
Commercial Motor and Motor Fleet
This policy covers a fleet of vehicles both commercials and private vehicles which are used for social, domestic, business and commercial purposes. Different covers offered are:-
Full Third Party:-
This only covers Third Party Property Damage, Bodily Injury and Death.
Full Third Party Fire and Theft:-
This only covers Third Party Property Damage, Bodily Injury, Death, Fire and Theft.
This covers the perils offered under Full Third Party Fire and Theft and accidental damage to the vehicle, towing charges and medical expenses.
This covers the following policies:-
- Contractors All Risk
- Plant All Risk
- Electronic Equipment
- Machinery Breakdown
- Loss of Profit
Bonds and Guarantees
This policy covers:- Zimra Bonds, Construction Bonds and Court Bonds
It is insurance for cargo, hull and liabilities
This policy covers cargo being transported by road, rail, sea or air, against accidental damage or theft.
Hull and Liabilities:-
This covers accidental loss or damage to the hull and legal liabilities to third parties.
Employers Liability Insurance
This covers legal liability to the company arising from any work related injuries to its employees.
Public Liability Insurance
This covers legal liability to the company arising from any damages to third party property or injury to third parties other than the company employees.
Group Personal Accident Insurance
This policy is taken out by companies to cover their employees for accidental injury which may result in death or disablement. Cover afforded by the policy is for Death, Permanent Disability, Temporary Total Disability and Medical Expenses.