Business Insurance

There are many risks that businesses face every single day such as theft, vandalism, property damage, employee injuries, fire etc. The purpose of ZSIC General Insurance's business covers is to protect your business or company from these risks. Choose from our different types of business insurance policies to protect your assets and suit your business' needs:

Fire Insurance

The ZSIC General Insurance standard Fire Policy covers the building, machinery, stock, fittings and fixtures against damage or destruction by fire and lightening and limited explosion. The policy can be extended to include cover against damage or destruction by full explosion, earthquake, riot, and strike, malicious damage, bush fires and storm, flood impact etc.

Office Comprehensive

This policy provides cover against loss or damage to office furniture, equipment and other contents as a result of fire, lightning, explosion, riot and strike, theft, impact, bursting, leakage and or overflowing of boilers. The policy can be extended to cover:

• Loss of money
• Loss of documents
• Public liability

Goods in Transit (GIT)

The policy covers loss or damage to goods whilst in transit. The mode of transport can either be by air, sea, rail or road. The cover ceases after the goods have arrived at the final destination.

Group Personal Accident

Suitable for a group of two or more people who come together with a common purpose e.g. a co-operative, employees, etc. Such groups can take up cover to protect themselves against death or injury brought about by an accident. It is a flexible policy, available short or long-term, which can extend to cover funeral and medical expenses.

Employer's Liability

This cover protects the employer against claims from employees who have suffered job related injury, disease or death.

Public Liability

This policy provides cover for claims by the general public for incidences such as accidental death, injury, illness, disease or accidental loss or damage to property that occur in connection with the insured business.

Burglary

Covers loss of or damage to property insured by theft following upon forcible and violent entry into or out of the premises or consequent upon assault, violence or threats thereof to the insured or any employee of the insured by any person who is not the insured's family, business staff, domestic servants or any person lawfully on the premises.

Fidelity Guarantee

This insurance is taken up by employers against loss of money and stock arising from embezzlement, misappropriation or dishonesty of the employees as well as fraud. The basis of cover can either be on blanket, position or named employee.

Money Insurance

This policy covers loss of money belonging to the insured whilst in transit or on the insured's premises. The policy covers the following:

• Loss of or damage to safes and strong room resulting from theft or any attempt threat
• Loss of money belonging to the insured
• Loss of money arising from a hold-up, robbery or any attempt threat

Electronic Equipment

This policy covers loss of or damage to the insured equipment from accidental causes while situated at the insured premises. It includes:

• Impact from objects dropping on or into the equipment
• Malicious damage and also damage by mischievous persons, carelessness of cleaners
• Theft