SME Business Package

Risks occur at any time and for business the exposure this gives you can be catastrophic.

Most SMEs build their businesses through blood and sweat but are often prone to disasters like fire and burglary which could bring them down in record time. We offer a comprehensive cover that ensures SMEs against a combination of perils or risks.

a) Fire & Perils Insurance - The product will protect the SMEs premises and stocks against fire and perils ensuring in-case of a loss they are compensated quickly so that they can continue with their business.

b) Burglary Insurance - The Burglary policy provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises or through hold-up. 

c) All Risks Insurance - This insurance provides indemnity against loss or damage to specified items as a result of any cause within the business premises and also outside the business premises. 

d) Money Insurance

This policy covers loss or damage to money by robbery or theft whilst:

  • In transit from your premises to the bank and vice versa
  • In premises during business hours
  • In premises in locked safes/strong rooms outside business hours
  • In the hand of senior employees/authorized personnel of the company
  • Value of the safe.
  • NHIF and service charge stamps and stamped cards and the contents of the franking machineThis will ideally cover the cash/ money while in the premises or while in transit to the bank or with authorized employees against theft/hold-up by third parties.

e) Work Injury BBenefitsAct, 2007 (WIBA) Insurance - Compulsory for ALL Employees virtue of the Work Injury Benefits Act, 2007 (WIBA).



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