Commercial Insurance

As a Bank we are passionate about providing holistic financial solutions to our customers which extends beyond just banking, and also includes providing insurance solutions aligned to customer needs. Through our strategic partnerships in the insurance industry, we offer a full bouquet of traditional and innovative insurance products and services to our Business customers. Our specialist staff and partnerships within the industry provide our customers with a “one-stop shop” for both Banking and Insurance needs.

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.


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