COMPREHENSIVE COVER THAT’S BUILT FOR YOUR BUSINESS
This is a packaged policy suitable for small and medium sized business enterprises. It offers many benefits from several classes of insurance put in one policy without subjecting the insured to minimum premiums per class of insurance.
Why Biasharasure?
- One-stop comprehensive insurance cover
- Versatile product that guarantees you peace of mind
- Selft rating/pricing product
- Convenient payment option
- Insurance Premium Financing(IPF)
- M-Pesa
- Credit/Debit Cards
- Cheque Payments
WHAT'S IN IT FOR YOU?
Key enhancements offered by AfyaImara Junior Medical Cover
Comprehensive Fire
- Includes earthquake
Electronic Equipment
- Covers computers and accessories in the insured’s premises
- Can be extended to cover:
- Data media (Software)
- Increased cost of working
- Replacement (new for old) basis for items below 2 years
All Risks Cover
- Any specified portable item
- Territorial Limits: worldwide
- Replacement (new for old) basis for items below 2 years
Machinery Breakdown
- Material damage cover
- Own surrounding property
- Third party liability
Burglary Cover
- Free hold up cover
- Precalculated first loss limits
Money Cover
- No escort warranties
- No requirement for declaration of actual money carried at year end
Fidelity Guarantee
- Employee dishonesty coverage
- Forgery or alteration coverage
- Funds transfer fraud coverage
Goods in Transit Cover
- Conveyance of goods by vehicle, rail, air, or registered couriers
- No requirement for declaration of actual goods carried at year end
Liability covers
- Covers WIBA and Employers’ Liability
- Covers work-away extension
Political Violence and Terrorism
- AIG-PTS Wordings
- Covers:
- Acts of Terrorism and/ or sabotage
- Malicious Damage
- Riots, Strikes, Civil Commotion
- Rebellion, Revolution, Coup d’etat, Insurrection or Mutiny