Choose from our different types of Corporate insurance policies to protect your assets and suit your business needs:

##  Fire and Allied Perils

Our standard Fire Policy covers your building, machinery, stock, fittings and fixtures against damage or destruction by fire and lightning 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 followin:

-   Loss of or damage to safes and strong room resulting from theft or any attempted threat

-   Loss of money belonging to the insured

-  Loss of money arising from a hold-up, robbery or any attempted 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



##  **Travel Insurance** 




Our Travel Insurance policy provides cover for you during travel outside the country. The policy covers unforeseen incidents within the geographical boundaries of cover and during the prescribed travel duration between the validity dates of the policy. The period of cover shall not exceed 92 consecutive days each travel (except if travelling with the Students Cover).


Benefits of Cover:

- Medical expenses and hospitalization abroad

- Covid-19 Cover

- Emergency dental care

- Repatriation of mortal remains

- Loss of passport, driving license, national identity card

- Compensation for in-flight loss of checked in baggage

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

Corporate Insurance

We offer the following agricultural insurance policies:

## **Crop Insurance**

Covers loss or damage to crops due to fire and lightning, hail, drought and floods. Crops covered include maize, wheat, sunflower, cotton, groundnuts, soya, beans, coffee, tea, sugarcane and tobacco.

Cover can be extended to:

-   Transit risk (For Bananas and Tobacco only)

-   Damage by wild animals (Bananas only)

-   Degradation in quality (For wheat and Barley)

## **Livestock & Poultry Insurance**

Covers death of a wide range of animals and birds as a result of accident, illness and disease outbreaks, drought and floods. Animals and livestock covered include Cattle, Horses, Pigs, Poultry, Game animals (in Game Farms) and fish.

## **Farm Equipment & Property**

Not only will we cover your crops and animals but also safeguard your property and equipment used in cultivating and processing of your farm produce. These include your house, cold room storage, processing and packaging equipment etc. To get cover for three (3) or more items under our agricultural policy, choose ZSIC GI's Farm Pack policy.

Whether small scale or commercial farmer, the ZSIC GI Agricultural Insurance policy guarantees you a peace of mind and ensures your investments are protected against loss due to flood, drought, disease or death of animals

Agricultural Insurance

## PAY-AS-YOU-GO

 This is short term motor insurance cover. Insurance cover is issued for a period
commensurate to the amount of money (premium) a client is able to pay. This offers the
client the benefit of having full cover for any period of time (limited to minimum period of
3 months).



## DDACC

 DDACC is a payment option that provides clients with an option of paying insurance
premium in monthly installments directly from the clients bank account. It is secure,
convenient and there are no bank charges.


Simply sign up at any of our branches. Pay a deposit for the insurance to be purchased and
request for the balance to be placed on DDACC. The balance will be divided into affordable
monthly installments.

Payment Plans

## Group Personal Accident (GPA)

Group Personal Accident provides compensation to insured members of a group for accidents leading to injury or death. This policy is, however, not a replacement for health insurance. Group members can be employees, members of a club or co-operative, school etc. Benefits of members getting the ZSIC GI Group Personal Accident policy include:

-   Death -- of any person covered by the insurance where death is a direct result of an accident.

-   Permanent Disablement -- of any person covered by the insurance, the benefit being payable in the event of injury sustained as a result of an accident where the disablement is permanent.

-   Medical Expenses -- incurred by any person covered by the Insurance in respect of actual medical expenses paid which relate to the injury directly caused by an accident

-   Funeral Expenses Extension -- can be taken as an optional extension to the policy to cover funeral expenses necessarily incurred where death of any person covered by the Insurance is a direct result of an accident.

## Employer's Liability

This covers legal liability of an employer which relates to bodily injury, death or disease sustained by any person under a contract of service with the employer and which arises out of and in the course of employment.

## Public Liability

Public liability provides an indemnity in respect of legal liability for accidental death or bodily injury or damage to property of the public due to negligence of the insured and or his employees during the conduct of his business.

## Product Liability

Products liability cover is issued as an extension to the main public liability policy. This cover protects the insured against legal liability for injury to third parties or loss of or damage to their property caused by goods sold or supplied.

Accident Insurance 

We offer different types of car insurance as follows:

## **Comprehensive Insurance**

Our comprehensive insurance cover provides the widest protection available for your car. Choose us for comprehensive insurance and you'll be covered against the following:

-   Own damage to the vehicle

-   Loss or damage to vehicle by fire or theft

-   Damage to other vehicles or property (third parties)

-   Legal liability to a third party in respect of bodily injury or death

Your comprehensive insurance policy can be extended to cover the following items at an additional premium:

-   Loss or damage to the insured vehicle due to riot

-   Geographical limits to cover foreign travel

-   Full third party cover to COMESA member states

## **Full Third Party Insurance**

This is the minimal practical cover available and it is compulsory by law. With our third party insurance, you're covered against accidental damage to material, property or bodily injury or death to a third party arising out of use of the insured vehicle.

## **Full Third Party -- Fire & Theft**

In addition to Full Third Party cover, we offer third party cover extended to fire & theft. This cover includes loss or damage arising from fire and theft to the insured's vehicle.

## **GRZ Motor Vehicle Insurance Scheme**

Our GRZ motor insurance scheme is a tailor made cover for civil servants. The premiums are payable in six (6) equal monthly installments through the payroll. The scheme offers comprehensive cover plus Riot & Strike (loss of or damage to the insured vehicle through Riot and Strike) and protection against all sums legally liable to pay to other parties for:

-   Bodily injury including passengers

-   Damage to third party property arising from use of the insured vehicle

Our GRZ Scheme offers the following additional benefits:

-   Medical expenses

-   Replacement of locks & keys

-   Unauthorized repair limit

-   Undeclared audio equipment

-   Cost of protection and removal

-   Windscreen Excess waiver

## **Motor Traders Insurance**

This is a policy that offers protection to a business at all times and is most suitable for dealers of vehicles, vehicle traders, fleet operators and all those engaged in the repair and maintenance of vehicles including testing.

Car insurance policies tailored specifically to suit your needs 

Car Insurance

## **House Insurance**

The property covered under this policy includes the main structure, sub structures, tank, tank stand, pipes, water pumps, wall fence and any other structures included on the list provided by the home owner.

However, this insurance policy will not cover for loss or damage caused by the following:

-   Subsidence or landslide.

-   War-like perils. e.g Air Strikes.

-   Radioactive contamination.

-   Insurance of houses meant for commercial activities.

## **House Contents Insurance**

This policy protects against unforeseen loss and/or damage to house contents as a result of fire, house break-in and theft, explosion, riots, civil commotion, earth quake, and storm. Property covered under this policy will include electronic equipment (Television sets, fridge, camera, radio, stove, washing machine etc.) and non- electronic equipment (furniture and personal effects such as jewellery).

However, this insurance policy will not cover loss or damage of the following:

-   Property belonging to the servants.

-   Money, cheques, promissory notes etc.

-   Motor vehicles and accessories.

-   War and war-like perils.

## **Personal Accident Insurance**

This policy covers the insured in respect of death or injury following an accident. It is particularly popular with self-employed or professional people who may be off work for a considerable period and will not have any employer to pay their salary or wages in the event of any injury causing temporary or total disablement following an accident.

## **Travel Insurance**

Our Travel Insurance policy provides cover for you during travel outside the country. The policy covers unforeseen incidents within the geographical boundaries of cover and during the prescribed travel duration between the validity dates of the policy. The period of cover shall not exceed 92 consecutive days each travel (except if travelling with the Students Cover).

Benefits of Cover:
- Medical expenses and hospitalization abroad
- Covid-19 Cover
- Emergency dental care
- Repatriation of mortal remains
- Loss of passport, driving license, national identity card
- Compensation for in-flight loss of checked in baggage


This all-inclusive insurance policy provides cover to the private property (house) against unforeseen loss or damage caused by fire, lightening, explosion, riots, civil commotion, earth quake, storm and house break-in

Insurance Products