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Insurance Solutions for SME’s

As a small or medium commercial enterprise there’s a lot to think about when it comes to your insurance cover and risk solutions. Maintaining your profitability is always on your mind – together with the risks you face that could change your business in a heartbeat. That’s why we developed this policy to offer you the benefit of a service that focuses on risk protection purely for owner-managed businesses.

They need a multi-insurance product that is designed to address the unique needs and demands of medium sized enterprises, the policy is intended to offer the business owners distinctive coverage that is simple to understand but with maximum coverage.

All the policies a client may require are wrapped up under one risk note with clearly marked sections for each class of insurance and only one master policy document is issued.

We have broken new grounds for medium sized enterprises and is a must-buy for a business enterprise that is looking for an innovative cost effective insurance deal.

The covers under this policy include:-

  • Fire & special perils
  • Consequential Loss
  • Burglary
  • Computer
  • All Risks
  • Money
  • Fidelity guarantee
  • Goods In transit
  • Group Personal Accident
  • Work Injury Benefit Act
  • Employers Liability
  • Public Liability
  • Pedal Cycles

SME Salient features

  • Competitive premium rates
  • Unmatched policy excess
  • All classes of insurance are under one document
  • It has predetermined competitive rates agreed upon by insurers lower than the market rates
  • Insurers issue one Master policy document
  • Easy and simple for client to understand

SME Contractors’ Comprehensive Insurance.

This is a product designed to reduce costs and headaches on construction projects by covering all parties including the owner, general contractors, sub-contractor and all other parties involved in one umbrella policy that provides single safety.

These range of policies provided by this broad cover involves;

  • Contract work insurance
  • This covers against physical loss or damage of project works during the construction period

  • Inland transit
  • This policy covers against loss or damage to the goods/materials while on transit by road and is provided on all risk basis.

  • Off-site storage
  • This policy is extended to include works on-site or off-site and in transit to and from site.

  • Third party liability
  • This covers third party liability risk in respect to bodily harm and property damage that may occur during the construction period making it an essential extension to any construction project.

  • Beneficial occupation
  • This policy extends to cover fire and burglary damage to property where there is partial occupancy prior to project completion and handover.

  • Political risk
  • This extension protects the project against damage / destruction of physical assets, loss of business, or business interruption due to any politically motivated violence.

Benefits of the cover

  • Economies of large scale could save up to 50% on cost.
  • Eliminates duplication and gaps in cover by using one insurance company.
  • Handles claims more efficiently by facilitating simplified claims processing.
  • Reduces potential litigation and disputes of insurance companies.
  • Premium is financed at very competitive rates from different financial institution.

To schedule an appointment with an SME Specialist about your insurance needs, please Click here