Accidental damage to business property not ordinarily covered elsewhere on the policy, but not excluded from cover.
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.
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.
Damage to property can cause interruption to the normal
business operations and lead to reduced turnover. Business
Interruption covers the following:-
All Risks cover for all the insured’s computer equipment, other electronic gadgets and software.
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:-
Accidental breakage of glass will lead to exposure of valuable items in your property. Cover includes cost of the signage.
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:-
Money covered whilst kept at the premises or whilst in transit to the bank or to the insured’s pay points.
This covers vehicles such as, Cars, Bakkies, Trailers, Motor Cycles, Trucks, Busses, Special Types Vehicles and Caravans while being used for business or otherwise.
Comprehensive Cover Includes the following benefits:-
Cover for valuable office contents of the business at specified office premises. This is a composite policy which includes other sub classes.
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 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
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.
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.