Accidental Damage

Accidental damage to business property not ordinarily covered elsewhere on the policy, but not excluded from cover.

Buildings Combined

This section offers wide Coverage for your buildings; we offer comprehensive cover in case something unfortunate happens to your buildings.

This policy will include cover for Gross Rentals, thus loss of rental income as a result of a loss following an insured peril.

We offer you additional cover at no additional costs for Liability up to M500 000.

Business All Risks

This is all risk cover for business equipment normally taken out of the premises on business or taken home by employees of the insured or business partners.

Business Interruption

Damage to property can cause interruption to the normal

business operations and lead to reduced turnover.  Business

Interruption covers the following:-

  • Insurance for gross profits
  • Insurance for gross rentals
  • Insurance for gross revenue
  • Insurance for additional increase in cost of working

Electronic Equipment

All Risks cover for all the insured’s computer equipment, other electronic gadgets and software.

Fidelity Guarantee

This is cover for employee dishonesty that leads to the insured suffering a loss as a result of such actions.


Our Fire policy pays for losses suffered as a result of Fire and related perils.  We provide cover for damage caused by all the following:-

  • Fire
  • Lightning
  • Explosion
  • Hail
  • Storm
  • Wind
  • Water
  • Snow
  • Earthquake
  • Malicious Damage
  • Impact from falling objects


Accidental breakage of glass will lead to exposure of valuable items in your property. Cover includes cost of the signage.

Goods In Transit

This is cover for goods whilst in transit by road within the borders of the Kingdom of Lesotho. Cover may be requested for Cargo going beyond the borders of Lesotho within the agreed territorial limits within the SADC region.

Options of Cover are as follows:-

  • Comprehensive Cover (All Risks Cover)
  • Limited Cover (Fire, Collision and Overturning Only)
  • Limited Cover (Fire, Collision, Overturning including theft and Hijack)


Money covered whilst kept at the premises or whilst in transit to the bank or to the insured’s pay points.

Motor Vehicles

This covers vehicles such as, Cars, Bakkies, Trailers, Motor Cycles, Trucks, Busses, Special Types Vehicles and Caravans while being used for business or otherwise.

Cover Options

  • Comprehensive Cover – All Risks Cover
  • Limited Cover – Full Third Party Fire & Theft
  • Limited Cover – Full Third Party Only

Comprehensive Cover Includes the following benefits:-

  • Self authorization limit for repairs following an accident up to M1000
  • Medical expenses limit following an accident up to M1000 per passenger
  • Fire Extinguishing charges
  • Third Party liability cover of M2 500 000 is automatically included
  • Loss of keys

Office Contents

Cover for valuable office contents of the business at specified office premises.  This is a composite policy which includes other sub classes.

Personal Accident

Should you or one of your employees be injured accidentally, whether working or otherwise this section will provide a pay-

out based on the compensation limit you requested. This can either be on a stated benefit basis (i.e. related to annual salary of employees, or a fixed amount).

Public Liability

Public liability insurance covers you in the event that you or one of your employees causes damage to someone else’s property or causes the death or injury of someone during the course of business

Theft or Burglary

This cover insures your business contents against loss or damage after forcible and violent entry or exit into yourbuilding. Armed robbery or hold up is included in this cover.


Workman’s Compensation

This is statutory requirement for compensation for accidental injury or death whilst an employee is carrying out their duties at work. The limits are as prescribed in the act.

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