This policy provides a wide range of cover. It will generally always cover material damages from fire, theft, storm and earthquake damage. These and many more perils are always covered.
Your legal responsibilities towards third parties and employees can also be inbuilt into your insurance program.
Levels of protection
You may select between different levels of cover for your business.
Your business ay require specific extensions to be inbuilt into your policy depending on how you operate.
Frequently Asked Questions
We have streamlined the application process to ensure maximum simplicity for you. To begin, we kindly ask that you fill in the Small Business Insurance Demands and Needs form. Completing this form is crucial, as it allows us to gather essential information about your business. We encourage you to provide as much detail as possible to assist us in formulating an accurate quotation tailored specifically to your needs.
Once you have submitted the Small Business Insurance Demands and Needs Form, we will evaluate the information provided. Our dedicated team will then approach the insurance market on your behalf, seeking out quotations that align with your specific requirements. Rest assured that we will carefully analyze each option before presenting them to you. We understand the importance of finding the best fit for your needs and we will offer you a range of choices to consider. We will guide you through the selection process to ensure you make an informed choice that suits your business perfectly.
The policy is based on a Reinstatement Value and therefore the sums insured must always reflect what you would be expected to pay for a new replacement item in the eventuality of a total loss.
Where the Reinstatement value is more than the Sum Insured, you would be considered to be under insured and as result the amount of your claim will be reduced in the same proportion that the Sum Insured bears to the Reinstatement Value. This is what is called `Average’ being applied.
To effect renewal you may: