Commercial and Industrial Insurance

We offer a vast range of products specifically designed for your needs:

– Industrial All Risks / Accidental Damage

The policy provides cover for specified perils including accidental loss, damage to the insured property including theft.

– Plate Glass

This policy provides cover for accidental damage to fixed glass such as shop facades.

– Personal Accident

This is a benefit policy which provides cover in the event of accidental death as well as permanent or temporary disablement. Policy may be extended to include medical expenses incurred following an accident.

– Deterioration of Stock

Deterioration of stock insurance covers damage to goods stored in specified cold storage spaces, which occurs as a result of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.

– Directors and Officers

D & O of a company are covered against their personal legal liability including defense costs and expenses as a result of a alleged wrongful act committed whilst acting in such capacity. The policy covers negligence, error and omission, breach of duty and liability arising out of mismanagement of a company which result in adverse financial consequences.

– Public Liability

The public liability insurance covers your business against legal liability to pay compensation for death of or bodily injury to third parties or loss or damage to third party property arising out of the business activities of the insured.

– Employers Liability

Business Interruption insurance is designed to cover lost income when you have to close your business temporarily as a consequence of a material loss.

– Fire & Special Perils 

Indemnifies you following loss or damage to your property against a specified perils such as earthquake, lightning, storm, and explosion including theft from  your premises.

– Personal Accident

Personal accident policies to compensation individuals as a result of an injury.

– Electronic Equipment

This policy provides protection against physical loss or damage to electronic equipment. A number of extensions are available in the local market including reimbursement costs for reinstating lost data and other additional expenses.

– Money

This policy covers money in transit, whilst at your premises or in a bank. Money policies may also be extended to cover personal accident assault.

– Goods In Transit

Goods in transit policies covers loss or damage to goods/property whilst in transit within the company vehicles including loading and unloading .

– Tool of Trade

This a public liability policy covering third party property damage and bodily injury which is specifically catered for vehicles such as cranes, hi-ups whilst being used as a tool.

-Condominium

Accidental Damage cover to buildings of the entire block including liability cover. This policy is ideal for large complexes which include a high number of apartments.

-Commercial Home

If you rent out your property to third parties, this is the policy for you. It covers the buildings, contents and liability to others.

-Hoteliers

A combined policy which covers the entire hotel for buildings, contents, liabilities including a vast range of available extensions.

-Theft

This policy covers your loss in the eventuality your contents are stolen.

-Fidelity Guarantee

Fidelity guarantee insurance (FGI) exists to safeguard your firm or organisation against theft of the firm’s own money, securities or property by an employee, partner, contractor or volunteer.

-Products Liability

A Product Liability policy will cover your legal liability arising out of the products you supply. For example, if you supply a washing machine which develops a fault causing damage to your client’s home, this policy would cover the costs involved.

-All Risks

All Risks property insurance covers a loss arising from any fortuitous cause except those that are specifically excluded.

The Product is manufactured by MMS and distributed by MelitaUnipol Insurance Agency Ltd