Our Products
We make it our business to understand the ins and outs of your insurance contract.
Our Products
Short-term Personal Products
Building | Homeowners.
- Building insurance protects the physical structure of a property against various risks, such as fire, storms, vandalism, and theft.
- It covers the costs of repairing or rebuilding the building in the event of damage or loss.
- By securing building insurance, property owners can safeguard their investments and ensure financial stability in the face of unexpected incidents.
Household content
- Household content protects personal belongings within a home from risks such as theft, fire, flooding, or accidental damage
- It encompasses all the items found within a home, ranging from furniture, appliances, and electronics to personal items like clothing, books, and decor. (i.e. Every item that would fall if the house was to be turned upside down)
- It ensures that valuable items can be repaired or replaced without facing financial strain.
Motor | Car
- Motor insurance provides financial protection against physical damage, theft, or liability.
- It covers the cost of repairs or replacement of the insured vehicle, medical expenses for injuries, and damages caused to third parties or their property.
- It ensures that drivers can cover potential costs and liabilities, thereby promoting safer and more responsible driving practices
All Risk | All Perils
- All-risk insurance is a comprehensive cover that protects against a wide range of potential risks and damages, except for those specifically excluded in the policy.
- It covers all items that an individual can take outside their home including cellphones, clothing, jewellery, sunglasses, handbags and etc.
- It ensures that valuable items can be repaired or replaced items without financial burden.
Short-term Commercial Products
Fire
- Fire commercial insurance cover protects businesses from financial losses caused by fire-related incidents.
- It covers damage to the business premises, equipment, inventory, and other assets due to fire, smoke, or explosions.
- It ensures business continuity and minimizes the impact on operations and revenue by providing financial support to recover, repair and rebuild after a fire.
Public Liability
- Public liability protects businesses from financial losses arising from claims made by third parties for injury, death, or property damage caused by their operations, activities, or presence.
- For businesses that interact with the public, such as retail stores, contractors, event organizers, or service providers.
- It helps cover legal fees, medical expenses, and compensation costs if a claim is made against the business.
Goods in transit
- Goods in transit cover protects items being transported from one location to another against loss, damage, or theft during the journey by road, rail, air, or sea.
- For businesses that ship or deliver goods, such as manufacturers, retailers, or logistics companies.
- It helps businesses recover financially from unforeseen incidents but also builds trust with customers by ensuring their shipments are protected.
Motor|Fleet|E-hailing|Taxis
- Commercial motor insurance cover protects vehicles used for business purposes, such as delivery vans, trucks, company cars, or fleet vehicles.
- It covers risks like accidents, theft, fire, and third-party liability, ensuring financial protection for damages to the vehicle, injuries to drivers or passengers, and damage to other people’s property.
- For businesses that rely on vehicles to operate, as it helps mitigate financial losses, ensures legal compliance, and maintains business continuity.
Buildings
- Commercial buildings cover protects the physical structure of a business property, including offices, warehouses, retail spaces, and other commercial premises.
- It covers damage or loss caused by risks such as fire, storms, floods, vandalism, and theft.
- It safeguards the owners’ investment by ensuring that the building is repaired or rebuilt.
Electronic Equipment
- Electronic equipment cover protects businesses against the financial loss or damage to electronic devices and systems, such as computers, printers and other specialized equipment.
- It offers protection against risks like theft, fire, water damage, accidental damage, and power surges.
- It ensures that businesses can repair or replace essential electronic assets, minimizing downtime and operational disruptions.
Office Content
- Office content insurance cover protects the physical assets within an office space such as furniture, office equipment, documents, and other supplies.
- It covers risks like theft, fire, water damage, vandalism, or natural disasters.
- It ensures that businesses can recover financially and replace or repair damaged or lost items, minimizing disruption to operations.
Business Interruption
- Business interruption insurance cover protects businesses from financial losses resulting from unexpected disruptions to their operations, such as fire, natural disasters, or other insured events.
- It compensates for lost income during the period when the business is unable to operate normally, helping to cover operating expenses like rent, salaries, loan payments etc.
- It ensures financial stability and continuity, allowing businesses to recover and resume operations without facing economic hardship.
Directors Liability
- Director’s liability insurance cover protects the personal assets of company directors against legal claims arising from their managerial decisions and actions.
- It includes defence costs and financial losses resulting from allegations of wrongful acts, such as negligence, breach of duty, or regulatory non-compliance.
- It provides peace of mind and financial protection, enabling directors to make decisions without fear of personal financial ruin.
Fidelity Guarantee
- Fidelity guarantee insurance cover protects businesses from financial losses caused by fraudulent or dishonest acts committed by employees.
- Coverage includes theft of money, goods, or other assets, as well as forgery or embezzlement.
- It ensures that businesses can recover financially and maintain operations despite such incidents.
Long-term Products
Hollard My Life & More
- Is a consolidation product that offers long -term insurance benefits (i.e. funeral and life cover) and short-term insurance benefit (i.e. home contents).
- No medicals are required.
- The onboarding and claims processes are easy and requires no to little paperwork.
