Insurance Company
Home/Products/Business Insurance
Business Insurance

Protect your operations, assets and people.

Modular cover for SMEs and corporates . property, liability, employee benefits and business interruption.

First calculation is provisional. Final premium confirmed after document review.
A short explainer covers what the insurance solves, what documents to prepare, and how the review works.
What's covered

At a glance: Business Insurance

What it covers
  • Property and contents (premises, stock, equipment)
  • Public and product liability
  • Employer liability and workers' compensation
  • Business interruption (loss of revenue)
  • Professional indemnity (optional)
Who it's for
  • SMEs across hospitality, retail, services and trades
  • Professional firms (legal, accounting, consultancy)
  • Manufacturers and warehouses
  • Tour operators and rental businesses
When it helps

Typical situations where this product helps

Fire shuts your shop for a month

Property repair plus revenue loss covered under business interruption.

Customer slips and gets injured

Public liability handles legal and medical costs.

Employee injured at work

Workers' comp covers medical care and lost wages.

Cyber incident or data breach

Optional cyber liability add-on covers response and recovery.

The fine print, made simple

What's included and what's not

Included
  • Building and contents at declared locations
  • Public liability up to AWG 2M
  • Employer liability
  • Loss of stock (named perils)
  • Money in transit (basic limit)
Not included
  • Acts of war and nuclear events
  • Fraud or wilful misconduct by the insured
  • Undeclared activities or locations
  • Recall of defective products (unless extension purchased)
  • Director & officer liability (separate D&O policy)
Before you start

Documents required

5 required, 2 optional. PDF, JPG and PNG accepted.

  • Chamber of Commerce registration
    Required
  • Latest financial statements
    Required
  • Payroll summary
    Required
  • Risk profile / safety procedures
    Required
  • List of business locations and assets
    Required
  • Photos of premises
    Optional
  • Previous insurer claims history
    Optional
How it works

How the quote process works

  1. 1
    Describe your business

    Industry, employees, turnover and assets to insure.

  2. 2
    Upload company documents

    Chamber registration, financials and payroll.

  3. 3
    Risk review

    We may schedule a quick call or site visit for larger operations.

  4. 4
    Provisional indication

    Indicative annual premium and recommended cover structure.

  5. 5
    Advisor builds the official quote

    Tailored programme with each cover line priced separately.

Provisional calculation disclaimer: This is a provisional calculation based on the information provided. The final premium, coverage and acceptance are subject to document review and approval by a sales advisor.
If something happens

How claims work

  1. Step 1
    Notify within 48 hours

    Phone or portal . assign a dedicated claims handler.

  2. Step 2
    Adjuster engagement

    For mid-to-large claims an independent loss adjuster is appointed.

  3. Step 3
    Interim payments

    Cash-flow support available for business interruption claims.

What affects the price

Premium factors

Industry and risk profileTurnover and payrollNumber and value of locationsClaims historyCover modules selected
Good to know

Frequently asked questions

Get covered today

Start your business insurance in minutes. No paperwork.

Get your provisional calculation now, or talk to an advisor for tailored guidance. It's free and takes less than a minute.

Talk to an advisor
Provisional in 60 seconds No credit card needed Advisor support included
Browse all products