Business Insurance

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.

Available Options

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:-

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

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:-

  • 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.

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.

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

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.

Personal Insurance

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.

Available Options

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.


Cover Options

  • Comprehensive,
  • Third-Party, Fire and Theft, and
  • Third-Party only.

Why Alliance Insurance?

  • Affordable premiums.
  • Quick claims turnaround time
  • Reliable towing services
  • Self authorisation limit following an accident of up to M1 000.00

Comprehensive car insurance:

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.

Third-Party, Fire and Theft car insurance:

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.

Third-Party Only car insurance

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.

Specialist Business

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.

Available Options

We offer all types of construction bonds and guarantees and related


  • Customs Bonds
  • Bid Bonds
  • Advance Payment Bonds
  • Retention Bonds
  • Performance Bonds

This cover entails insurance for

  • Machinery Break Down
  • Machinery Break Down Loss of Profits
  • Plant All Risks
  • Contractors /Erection All Risks
  • Contractors Liability
  • Comprehensive Cover for vehicles on unspecified basis.
  • Comprehensive Cover and limited cover for vehicles on both specified and unspecified basis.

Cover for professional negligence of the insured in the course of their duties providing professional services

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