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The basic HOCI- Commercial policy provides insurance cover for the sections below

It provides indemnity against loss or damage to the commercial property described, caused by fire, lightning and explosion. The policy has been extended to cover damage to the building resulting from; political violence and terrorism, riots, strike, malicious damage, storm, earthquake, and impact by vehicles, aircraft and other aerial devices, subterranean fire, spontaneous combustion, explosion of industrial boilers and economizers, flooding, water damage due to bursting or overflowing of water tanks, apparatus, and pipes. This insurance covers commercial buildings under mortgage.




This policy is ideal for Business Owners, property developers, real estate owners, individuals, chamas and other groups that have taken out a mortgage to purchase commercial property. It protects the insured in the event of destruction of the commercial property resulting from the above insured perils.


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