While your day-to-day operations are complex, understanding Business insurance doesn’t have to be. There are coverage options available to protect just about every aspect of your business from employee injury to natural disasters. Some insurance is required by law and others by business associates, such as lenders and landlords. Obtaining the right type and amount of insurance for your business will help you avoid gaps in coverage where you need it most.
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.
Alliance Personal Insurance provides impartail advice as well as adopt a comprehensive approach to risk management that includes comprehensive coverage from the our wide pool of insurance products to protect your family and personal possessions. Alliance Personal Insurance is here to assist you get back on your feet when unexpected events such as an accident, fire or theft happens.
At Alliance we understand the importance your household contents to you. In the unfortunate event of a loss as a result of fire, hail, flood or theft Alliance will pay for the repair, replacement or pay cash equivalent to the value of the loss.
Home Contents Insurance covers all the personal possessions inside your home belonging to either you or the members of your household in case of fire, natural disasters like, storm and hail, bursting of pipes, theft, housebreaking and so on.
We even extend on to cover a Golf Hole in One to cater for our Golf Loving community.
The buildings that we live in are of great value, the value to be insured must include the dwelling, walls, fences, electric gate motors, swimming pools and any fixtures and fittings. Cover includes Fire, Lightning, Storm damage, malicious damage, theft or any attempt.
Our Home Owners Insurance covers the Building and all permanent structures on your property as well as permanent fixtures, fittings and improvements on your property in the unfortunate event of fire damage, lightning strike, water damage due to storms and floods, housebreaking or theft, landslides, damage due to vehicles, falling trees etc
Alliance Insurance’s reputation for excellence has been established over years. We are passionate about giving you the peace of mind when you are behind the wheels. We have motor vehicle insurance cover that suite all your needs.
this provides cover for theft and hijacking, damages due to an accident, fire or explosion and natural disasters like hail and floods. This cover also includes damage to the vehicle’s glass, liability to other parties as a result of an accident and loss of keys.
provides insurance cover for any damage you may cause to the vehicle of another person, and the accidental death or injuries of third parties involved in the same accident. You are also covered for the loss of your vehicle due to attempted theft, theft or hijacking, as well as any damage to your vehicle that was caused by fire and lightning. This cover however excludes accidental damage.
provides cover for any damage caused to the vehicle of another person and accidental death or injuries of third parties involved in the same accident.
This is cover for those personal belongings that we normally carry around because of their portable nature such as cell phones, spectacles, Digital cameras, items of jewellery etc
Personal All Risk Insurance covers movable and immovable personal possessions belonging to you or any member of your household when taken out of your home. Items include clothing, jewellery, cell phones, cameras and travel luggage, and can be categorised into specified all risk and unspecified all risk.
Some Businesses are highly specialist within a particular field. Others are even more individual, requiring highly bespoke insurance cover. Over recent years we have worked with an increasing number of highly specialist business areas where the insurance requirements are so individual, or out of the ordinary, that only a specially devised insurance scheme can provide the required cover. In many instances our expertise in identifying the cover required has been an integral part in the putting together of such specialist schemes.
We offer all types of construction bonds and guarantees and related
This cover entails insurance for
Cover for professional negligence of the insured in the course of their duties providing professional services