Commercial Lines Insurance

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Commercial Motor Vehicle

This product is designed to cover you for loss or damage to your commercial vehicle and also liability for personal injury to or property damage of third parties. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Fire & Perils

This product is designed to cover you for loss or damage to your property caused by fire and named perils. It is a specialized form of insurance beyond Home & Contents insurance, and is designed to also cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Homeowners and property owners may consider this product in addition to Home & Contents insurance if the property contains valuable items and there is commercial activities taking place at the property. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Industrial Special Risks

This product is designed to cover your commercial and industrial property from loss or damage as well as financial loss arising from the consequent interruption to your business.You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Contractors Plant & Equipment

This product is designed to cover you for loss or damage to your plant and equipment as well as legal liability to pay compensation for personal injury and loss/damage to property of third parties. If you’re in the building construction and road works business, this product is for you. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Commercial Package

This product is designed for small-to-medium sized businesses and comprises several separate products namely Fire & Perils, General Property, Liability and Burglary required by commercial enterprises. You are free to select the products that are relevant to your enterprise insurance needs, and to omit products that you do not need. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Contract Works

This product is designed to provide you financial security for projects in the areas such as building construction and civil engineering, and provides cover in respect of the works being carried out. Inspac offers two types of covers: 1. Material Damage under Section 1 Covers loss or damage to the actual work being done and often includes tools and equipment. 2. Legal Liability under Section 2 Covers liability for third party injury and death or damage to third party property. You can choose to include or remove Legal Liability depending on the type of work being carried out. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Contractors All Risks

If you are a contractor, especially in the area of building construction, this product is for you. This product is designed to cover you for damage to property, such as damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. It also covers liability for third party injury and death or damage to third party property. This product is usually taken out in joint names of the contractor and the employer. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Workers Compensation

This product is designed to cover your liability to pay compensation for personal injury to your employees ONLY during their course of duty. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Public & Products Liability

This product is designed to cover your liability to pay compensation for personal injury and/or property damage to third parties where the liability arises from your business activities, including goods sold or supplied by you. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

General Property

If you’re a contractor or run your own small -to- medium sized business and you carry work tools or portable equipment (e.g. laptop, mobile phone, and surveying equipment) between your place of residence and client sites for business, you need General Property Insurance. We offer two types of covers: 1. Accidental Damage This product is designed to cover you for loss or damage to your business goods and contents as well as portable equipment that you carry away from your business premises. 2. Restricted Cover (Collision or Overturning and Flood only) Cover will only be restricted to collision or overturning of the vehicle carrying your business goods and contents as well as portable equipment and Flood. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

Engineering/ Machinery Break down

This product is designed to cover loss or damage to all kinds of accidental, electrical and mechanical breakdowns of your machinery and mechanical equipment. You will need to complete a proposal form and cover will only apply once we have agreed to accept the proposal and provide insurance coverage and you have paid the premium.

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