Let us help you take care of your business against losses suffered as a result of fire-related casualties. You’ll be covered for damage against the following:

○ Explosion

○ Storm

○ Lightning

○ Hail

○ Wind

○ Water

○ Other risks as stated in the policy

We know what damage to property can do to your business's normal operations and income. This policy covers:

○ Insurance for gross profits

○ Insurance for gross rentals

○ Insurance for Gross Revenue

○ Insurance for an additional increase in the cost of working

Get peace of mind knowing the most valued office contents of your business are covered. The policy includes:

○ Loss of rent

○ Liability

○ Money

The contents of your business will be covered against loss or damage after violent and forced entry or exit from your business premises. Armed robbery or hold-ups are included as well. Your options are:

○ First value basis and,

○ First loss basis cover

Here we cover money that is kept at the business premises, or while in transit to the bank at an insured’s pay point.

This is valuable property left vulnerable due to accidental breakage of glass. Your policy will cover the cost of replacement. Cost of signage included.

We will cover your values as they become vulnerable while in transit. All goods covered must be in transit within the borders of the Kingdom of Lesotho. There can be a special request for cargo travelling beyond the borders of Lesotho but within SADC region limits. Cover options:

○ Limited Cover (Fire, Collision, and overturning only)

○ Limited Cover (Fire, collision, overturning, including theft and hijacking)

○ Comprehensive Cover (All risk cover)

This covers portable business equipment normally taken out of business premises for business purposes or taken home by employees of the insured or business partners.

We take into account accidental damage to property which is not covered ordinarily in your initial policy, but not excluded from the cover.

This insures against any accidental bodily injury for specified employees of a business who sustained bodily injury by violent accident, external and visible means which may result in disablement or death.

Cover for unexpected physical loss or damage to your business’s electronic data processing machines.

This is for any employee dishonesty which then leads to the insured suffering loss as a result of such actions.

This covers legal liability for the insured when the insured is found legally liable by reason of their business-related activities or actions in the course of their business, or property owners or tenants.

This cover provides personal accident cover to the insured while travelling by air and loss or damage to accompanied baggage. This excludes apparel and personal effects of the insured.