1. Business Interruption Insurance– This is a cover that protects Business from loss in the event of income inflow disruption due to physical or actual damages that may lead to closure of business. The cover include recovering loss of profits from fire, storms, floods or any other catastrophic events to the business until recovery.  The business insurance cover:
2. Lost Revenue(if you can’t sell products, serve customers because of property damage, the policy insure that the company temporary shutdown doesn’t result in permanent closure)
3. Rent or Lease payments (when disruption occurs that force the business to temporarily close, the rent or payments on equipment might still need to be paid)
4. Employees’ Wages (in the event of low production or temporary closure, the business interruption insurance help you pay your employees’ Wages in order to retain them)
5. Taxes (in the event of strained financial situation during temporary shutdown, cover can help you to meet your quarterly and annual tax obligations)
6. Relocation cost (if a business is forced to relocate due to a catastrophe, the business interruption insurance covers the travelling costs and rent for the new location)
7. Loan payments (if your business has loans, you can still meet your obligations even if the business is not making revenue)

Assets A Risks Cover– The policy cover loss/damage to tangible property anywhere within Zimbabwe as declared caused by fire/lighting, earthquake, non- political Risks, special perils or spontaneous combustion but excluding assets that are insurable under specific polices.

Group Personal Accident-. It covers accidental death, permanent disability or temporary disability as well as the medical expenses to employees injured in the course of their employment on a 24hr cover basis.

Personal lines insurance- Customized cover to meet individual personal business. This cover all personal belongings from jewellery, art, curios, paints, clocks, cameras, opera glasses, house braking to fire. The cover is provided on value basis

Aviation – this policy cover both commercial and small aircrafts. Covers physical aircraft damage or liability that can arise out of its ownership and operations i.e. people and property outside the aircraft and liability of passengers and their goods.

Home insurance– this policy protects your home and its contents. It provides cover against fire, lighting, thunderbolt, explosion, earthquake, storm, tempest, hail, wind, flood, impact by vehicles, animals, falling trees, aircraft or articles dropping, non-political riot, strikes, malicious damage, theft/tempered theft, busting of water from tanks, pipes or domestic appliances. Both for House owners and householders.

Mining- this is a special insurance for the mining sector, the policy cover all mining assets such as plant , surface and underground equipment. The equipment my include surface and underground drill rigs and hammers, hoists houses and equipment, pipes, compressors, tracks and ventilations as well as accommodation.

It also cover special minerals like diamonds, precious stones and metal as well as refined Gold.

*Other cover Options for mines

• Group Accident cover for employees
• Public liability for third party injury, death or property
• Environmental liability for environmental unfriendly company operations
• Fidelity Guarantee for employees

Motor Insurance –  this policy compensates either the policyholder for loss suffered/ damage of the vehicle or third part liabilities caused by an accident , In exchange of a premium.

Types of covers

1. Full Third Party– this cover liability of property damage, death or body injuries for third parties.
2. Full Third Party, fire and theft- this provides for full third party plus damage or loss caused by fire or theft to an insured vehicle.
3. Comprehensive cover– this compensates for full third party, fire and theft plus accidental damage to the insured vehicle and medical expenses.

 Claim Requirements

1. Complete claim form
2. Police report
3. Driver’s license
4. Proof of insurance
5. 3 quotations from panel beaters
6. Proof of medical expenses or quotations for treatment in the event of an injury.

Marine– Hull insurance cover water vessels like yachts, boats, small crafts for leisure and commercial house boats against perils such as collisions and capsizing. The cover also includes engines and legal liability that may arise from any listed vessel. Cargo cover for goods in transit by road or rail or air to and from location stated in a policy.

Farming Insurance

Tobacco Insurance – this offers farmers an adequate cover for their tobacco production damages from planting to auctioning. The cover enable tobacco growers to continue their operations in the next season despite their challenges from previous season. The cover is based on anticipated cost of production and get reviewed annually. It also covers crop processing infrastructure and transit of the tobacco against fire and allied perils during curing, in grading sheds, storage and whilst in transit to the action floor. The cover can extend to cover ban structures and farm building against fire and policy perils.

Farm property and casualty – (cover farm buildings, contents and other physical assets against damage by fire, lightening, explosion and other perils)

Farm Implements – (cover water pumps, generators, sprinklers against damage)

Livestock cover – Cover accidental shooting, flood loss, loading and unloading accidents, attacks by dogs or wild animals, electrocution, sudden and accidental collisions damage causing loss.

Travel– provides insurance for students, corporates and individuals travelling abroad.

Other packages