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Commercial Property Insurance

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Guard against loss of income with building insurance that’s tailored to your needs as an owner, investor or developer.

 

 

 

SOME OF THE BENEFITS

Competitive quotes

Let us negotiate competitive terms

Extended cover

Enjoy extended cover for your building, and public liabilities
Insurance Plans
  • Fire and Natural Perils Insurance: Cover is only against fire, lightning, thunderbolt and explosion. Cover can be optionally extended to include earthquake, special perils which include damage caused by storm, wind, water, hail or snow.
  • Office Contents: Cover is against theft or attempted theft of office contents following forcible and violent entry and exit. Hold up is included (theft following violence or threat of violence
  • Fidelity Guarantee Insurance: Cover is against theft of money, other property, misappropriation, embezzlement or dishonesty by the insured’s employees. Premiums are based on the number of employees and the limit of indemnity required.
  • Theft insurance: Covers loss or damage to all contents of the insured building as a result of theft or attempted theft following forcible and violent entry and exit. Hold up is included (theft following violence or threat of violence.
  • Money Insurance: Cover is for loss of money within the premises. If by theft, it should be following forcible entry or exit. Cover includes robbery or hold-up within the premises. Cover can be extended to include money in transit.
  • Buildings Combined Insurance: Covers low risk buildings such as hotels, lodges, schools, blocks of flats, etc. Policy has an in-built public liability extension. Cover is against perils such as fire, lightning & explosion, storm, wind, water, hail or snow, earthquake.
  • Public Liability Insurance: Cover is against all third party liabilities. These could be death, bodily injury or illness of persons. Includes physical loss or damage to tangible property. Cover includes legal costs.
  • Workmen’s compensation: provides compensation against occupational injurie and diseases sustained or contracted by employees in the course of their employment, or death resulting from such injuries and disease.
  • Business all Risk: Cover is against loss or damage to the whole or part of the item insured. Cover applies anywhere in the world, by any accident or misfortune not otherwise excluded.  Effectively cover is relatively on an “all risk” basis. Examples of insurable items: Laptops and Cell phones. Fax machines, photographic and video equipment.  Portable tools and equipment.
  • Agriculture Insurance: there are various insurances available in the agric-business, these are Sugar cane insurance and Crop insurance. These insure against fire and lightning, drought, hail and frost, windstorms, excessive rainfall and uncontrollable pests and diseases. There is also Livestock insurance; this will cover cattle, piggery, and chickens to name a few. Terms and conditions and exclusions will apply as per insurers’ stipulations.
What’s Covered
  • Commercial Vehicle Insurance: Cover is against accidental physical damage to the vehicle. Cover is mainly for LDV’s, trucks and tippers. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost.
  • Motor Comprehensive Cover: we offer comprehensive insurance on any vehicle financed by the Bank. Your policy will cover damages to total loss or partial damage of the vehicle. We provide the vehicles current value and advise on the insurance cover and excesses. Premium finance is also available as long as the asset has a loan balance.
  • Passenger Vehicle Insurance: This is mainly for kombis, sprinters and buses. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost. Cover can also the extended to include passenger liability, riot strike & civil commotion (non-political) and violation cover.
  • Special Type Insurance: This is mainly for tractors, bulldozers, excavators, horses, graders, tankers, etc. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost.

 

Terms and Conditions

*Bancassurance is a division in the Bank that offers insurance products to the Bank’s customers. This division is licensed by the Financial Services Regulatory Authority as a Corporate Agent.

We are a Corporate Agent of Swaziland Royal Insurance Corporation for the Short-term insurance and Liberty Life Swaziland for our Long-term insurance.

How To Get It

Get a quote

Email us [email protected]

Call 2517 5300

*Bancassurance is a division in the Bank that offers insurance products to the Bank’s customers. This division is licensed by the Financial Services Regulatory Authority as a Corporate Agent.

We are a Corporate Agent of Swaziland Royal Insurance Corporation for the Short-term insurance and Liberty Life Swaziland for our Long-term insurance.

  • Insurance Plans
  • What’s Covered
  • How To Get It
  • Fire and Natural Perils Insurance: Cover is only against fire, lightning, thunderbolt and explosion. Cover can be optionally extended to include earthquake, special perils which include damage caused by storm, wind, water, hail or snow.
  • Office Contents: Cover is against theft or attempted theft of office contents following forcible and violent entry and exit. Hold up is included (theft following violence or threat of violence
  • Fidelity Guarantee Insurance: Cover is against theft of money, other property, misappropriation, embezzlement or dishonesty by the insured’s employees. Premiums are based on the number of employees and the limit of indemnity required.
  • Theft insurance: Covers loss or damage to all contents of the insured building as a result of theft or attempted theft following forcible and violent entry and exit. Hold up is included (theft following violence or threat of violence.
  • Money Insurance: Cover is for loss of money within the premises. If by theft, it should be following forcible entry or exit. Cover includes robbery or hold-up within the premises. Cover can be extended to include money in transit.
  • Buildings Combined Insurance: Covers low risk buildings such as hotels, lodges, schools, blocks of flats, etc. Policy has an in-built public liability extension. Cover is against perils such as fire, lightning & explosion, storm, wind, water, hail or snow, earthquake.
  • Public Liability Insurance: Cover is against all third party liabilities. These could be death, bodily injury or illness of persons. Includes physical loss or damage to tangible property. Cover includes legal costs.
  • Workmen’s compensation: provides compensation against occupational injurie and diseases sustained or contracted by employees in the course of their employment, or death resulting from such injuries and disease.
  • Business all Risk: Cover is against loss or damage to the whole or part of the item insured. Cover applies anywhere in the world, by any accident or misfortune not otherwise excluded.  Effectively cover is relatively on an “all risk” basis. Examples of insurable items: Laptops and Cell phones. Fax machines, photographic and video equipment.  Portable tools and equipment.
  • Agriculture Insurance: there are various insurances available in the agric-business, these are Sugar cane insurance and Crop insurance. These insure against fire and lightning, drought, hail and frost, windstorms, excessive rainfall and uncontrollable pests and diseases. There is also Livestock insurance; this will cover cattle, piggery, and chickens to name a few. Terms and conditions and exclusions will apply as per insurers’ stipulations.
  • Commercial Vehicle Insurance: Cover is against accidental physical damage to the vehicle. Cover is mainly for LDV’s, trucks and tippers. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost.
  • Motor Comprehensive Cover: we offer comprehensive insurance on any vehicle financed by the Bank. Your policy will cover damages to total loss or partial damage of the vehicle. We provide the vehicles current value and advise on the insurance cover and excesses. Premium finance is also available as long as the asset has a loan balance.
  • Passenger Vehicle Insurance: This is mainly for kombis, sprinters and buses. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost. Cover can also the extended to include passenger liability, riot strike & civil commotion (non-political) and violation cover.
  • Special Type Insurance: This is mainly for tractors, bulldozers, excavators, horses, graders, tankers, etc. The policy has a limited in-built third party liability, fire and explosion cover. These limits can be increased to E2 000 000 at a cost.

 

Terms and Conditions

*Bancassurance is a division in the Bank that offers insurance products to the Bank’s customers. This division is licensed by the Financial Services Regulatory Authority as a Corporate Agent.

We are a Corporate Agent of Swaziland Royal Insurance Corporation for the Short-term insurance and Liberty Life Swaziland for our Long-term insurance.

Get a quote

Email us [email protected]

Call 2517 5300

*Bancassurance is a division in the Bank that offers insurance products to the Bank’s customers. This division is licensed by the Financial Services Regulatory Authority as a Corporate Agent.

We are a Corporate Agent of Swaziland Royal Insurance Corporation for the Short-term insurance and Liberty Life Swaziland for our Long-term insurance.