Vehicle
BIC Commercial Policies are designed to cater for the specific needs of a business entity and can be tailored to
accommodate any aspects that may be unique to the business or company.
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Quotation today.
Buildings Combined
Covers office buildings including all buildings thereto and sporting and recreational structures, gates, posts, fences and tarred or paved roads, driveways or parking areas.
Office Contents
Loss of or damage to the contents contained in the offices and/or consultant rooms.
Accounts Receivable
Loss or damage as a result of accident or misfortune to the insured's books of accounts or other business books or records at the premises or at the residence of any director, partner or employee or the premises of any accountant of the insured.
Theft
Loss of or damage to all contents of any insured buildings at the insured premises as a result of theft accompanied by forcible and violent entry into or exit from such building.
Money
Loss of or damage to money within the territorial limits subject to the policy limit.
Glass
Loss of or damage to internal and external (including mirrors) and sign writing. Following loss of or damage to glass the company will also indemnify for the cost of such boarding up as maybe reasonably necessary.
Fidelity
Direct financial loss sustained by the insured as a result of fraud or dishonesty of an insured employee all of which occurs during the currency of the policy. The liability of the company for all losses shall not exceed the sum insured whether involving any one employee or any number of employees acting in collusion or independently of each other.
Business all risks
Loss of or damage to the property while anywhere in the world by any accident or misfortune.
Accidental Damage
Accidental physical loss of or damage to the insured property at or about the premises.
Public Liability (Claims made basis)
Damages which the insured shall become legally liable to pay consequent upon accidental death of or bodily injury to or illness of any person ,or accidental loss of or physical damage to tangible which occurred in the course of or in connection with the business within the territorial limits.
Stated Benefits
Bodily injury caused by accidental violent external and visible means to any principal, partner director or employee of the insured injury to any such person directly and independently of all other causes resulting in 24 calendar months in death or disability(working hours only)
Electronic - Electronic Equipment
Physical loss or damage to the property insured from any cause not hereinafter excluded whilst at work or rest anywhere within the insured premises. In transit including loading and unloading or whilst temporarily stored at any premises en route Temporarily removed from the insured's premises to any other location.
Motor Specified and Motor Unspecified
Loss of or damage to any vehicle described and its accessories and spare parts whilst thereon. The reasonable cost of protection and removal to the nearest repairers and the insured may give the instructions for repairs to be executed without the previous consent of insured to the extent of but not exceeding P2000.
Liability - Liability to third party
Any accident with a third party by any vehicle insured in respect of which the insured and or any passenger becomes legally liable to pay all sums including claimant's costs and expenses in respect of death of bodily injury to any person or property.
Medical Expenses
If an occupant in the vehicle suffers injury the company will pay to the insured the medical expenses incurred as a result of such injury. Request a Quotation today.
Motor Traders
Covers any motor vehicle or trailer owned by or hired or leased or under the control of insured at the time of the accident. We will indemnify the insured against all sums which the insured becomes legally liable to pay to third parties as damages resulting from an accident by or in connection with the vehicle, and for accidental damages to customers' vehicles on the premises.
Request a Quotation today.
