We at Daberistic Financial Services understand the importance of protecting your business against risks.
Commercial Insurance insures your business against losses due to Fire, Theft, Liabilities and Income Loss.
The following can be included on your commercial insurance depending on your needs:
Covers all your machines and equipment in your factory, workshop or restaurant.
Stock and Material in Trade
Covers your stock whether manufactured or material used to manufacture or for trading against theft, water damage, fire.
In a case where there is a loss which prohibits you to access your premises, the insurer will pay you an amount stated on the policy schedule to rent other premises to continue with your business operation.
Your building and its fixtures and fittings will be insured against insured perils namely, Fire, Storm, Thunderbolt, Lightning. Cover will also extend to cover water features like Geysers if included on the policy and paying an additional premium for it.
Most businesses have furniture at their premises, which can be damaged by insured perils. This cover will office contents like tables, chairs, fridges, microwaves, paintings, flower pots, lose carpets and cupboards.
Theft cover is there to insure that in the event of a break in or burglary your business is covered for the loss as well as damage to your property.
If someone slips and fall at your premises where an injury is caused, you could be held liable. It is important to cover your business for possible liability for third party claim.
Most companies value their employees and would make sure that there is cover if there can be any injuries sustained while still under the contract of employment.
Most businesses rely heavily on their computers and electronic equipment for the smooth running of their business. This cover protects your valuable electronic equipment.
Business All Risk
When running a business it is important to protect your equipment whether in or out of the premises. The covers your equipment everywhere.
If an unexpected event brings your business to a standstill, and the business loses income as a result, whilst we still have company overheads to pay, e.g. salaries, bills. Having this cover will remove the burden on your shoulders as an agreed amount will be paid monthly for the stipulated number of months.
Most businesses who rent properties are responsible for glass as per the lease agreement, glass cover includes signage on the glass itself or overhead glass signage.
Most businesses carry money at their premises during business hours, you can include money section on your policy provided you comply with the insurer requirements as far as limits and type of safe is concern.
Sometimes unforeseen events do happen at your business whilst not expected. For an example, a shelf just collapsed and the TV that’s on it breaks. This cover protects things that accidentally breaks.
We at Daberistic Financial Services understand the importance of protecting your assets against risks.
Personal Insurance insures your personal assets against losses due to Fire, Natural Disasters, Accident, Theft and Liabilities to Third Parties.
The following can be included on your domestic insurance depending on your needs:
Your building and its fixtures and fittings including outside buildings will be insured against insured perils namely, Fire, Storm, Thunderbolt, Lightning. Cover will also include bursting Geysers.
Covers all contents inside your house which includes furniture, electrical appliances, electronic equipment, bedding, and clothing.
All Risk Items
This is a worldwide cover and covers items that you normally carry on you like Jewellery, iPads, Cellphones and Laptops or sporting equipment like Golf Clubs, Bicycles, and Quadbikes.
Covers you for any damages that might be caused by your insured vehicle where you are held legally liable and or injuries or death that might be caused by either your insured property or contents where someone other than your family sues you as a result.
All types of private motor vehicles including LDV and Motorbikes are covered under this section for whatever type of cover you elect between the following:
Covers all trailers licensed to be towed on public roads including camping trailers.
Caravan and its contents can be included on your Domestic Insurance. Insurers will require the Caravan to be parked under shade at your premises.
This section will insure your boat and its trailer for either inland or coastal. Cover will be for the Hull and motor/s.