Enquire Business Insurance
Goods in Transit (GIT)
Protect Your Goods While They Are on the Move
Business Insurance
Business Insurance
Protect What You Have Built
Combined cover for business property, contents, liabilities, money, employees, and goods against covered risks.
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Cover options
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Underwriters
24/7
Claims support
Quick overview
A combined policy that protects the property, stock, money, and people your business relies on, and covers the legal liabilities that come with trading — so a single event doesn't stop your operations.
Why it matters
Why Business Insurance Matters
A single unexpected event can cause damage far beyond the immediate repair cost — it can interrupt operations, affect customers, damage stock, or create legal liabilities. The right insurance helps your business prepare for these risks rather than facing them alone.
Suitable for different businesses
Shops and supermarkets, hospitals and medical facilities, hardware stores, chemists and pharmacies, electronics businesses, boutiques, banks, SACCOs, microfinance institutions, companies, and other enterprises.
One arrangement, many risks
Depending on the policy, cover can be arranged for business property, contents, liabilities, money, employees, goods, and other business-related risks.
Who it's for
Who this cover is for
- Shops and supermarkets
- Hospitals and medical facilities
- Hardware stores
- Chemists and pharmacies
- Electronics businesses and boutiques
- Banks, SACCOs, and microfinance institutions
- Companies and other enterprises
Cover options
Your cover options
Choose the option that matches your needs. Exact terms, limits, and extensions vary by insurer and policy.
01
Buildings & Premises
Covers the physical structure your business operates from.
02
Contents & Stock
Covers equipment, furniture, and inventory inside your premises.
03
Business Interruption
Covers lost income while you're unable to trade after insured damage.
Protection
What this cover protects against
What applies to your policy depends on the cover level you choose and any extensions added.
storefront
Property & premises
The building your business operates from, against fire and insured perils.
inventory_2
Contents & stock
Equipment, furniture, and inventory inside your premises.
payments
Money
Cash in transit, on premises, and in the safe.
gavel
Liabilities
Claims by the public, and legal liabilities from your activities.
groups
Employees
Staff injury and WIBA obligations, where included.
local_shipping
Goods & business interruption
Goods in your care and lost income while you can't trade.
Key benefits
What you get with the cover
Fast recovery
Rebuild and restock quickly after fire, theft, or accidental damage.
Business continuity
Optional interruption cover keeps income flowing while you get back on your feet.
Flexible sums insured
Cover scaled to the true value of your premises and stock.
One policy, full protection
Buildings, contents, and stock covered together.
Exclusions
What's not covered
Wear and tear
Stock obsolescence
Deliberate damage
Unoccupied premises beyond the policy limit
This is a general list. Your policy wording sets out the full exclusions that apply.
Getting covered
What you'll need
To take out cover
- Business registration documents
- Copy of ID / passport of the owner or authorised representative
- Business location and nature of business
- Details and estimated value of assets / property to be insured
- Previous insurance information, where applicable
Report the incident immediately, secure the premises, and document the damage — our claims team will guide you through assessment and settlement.
Requirements may vary depending on the insurer, type of cover, risk involved, and individual circumstances. Our team will advise you on the specific documents required for your policy.
Glossary
Common terms explained
Sum Insured
The value your cover is based on — the cost to rebuild or replace, not market value.
Business Interruption
Cover for lost income and ongoing costs while trading is disrupted by insured damage.
FAQ
Frequently asked questions.
The essentials on business insurance — what it covers, what you'll need, and how claims work. More on the FAQ page.
See all FAQsIs stock covered at cost or selling price?
Stock is typically covered at cost price, reflecting what it would take to replace it, not the revenue you'd have earned selling it.
Does this cover a rented premises?
Yes — you can cover your contents and stock even if you don't own the building itself.
What's business interruption cover?
It replaces lost income and covers ongoing costs like rent and salaries while you're unable to trade after insured damage.
Flexible cover
Built around your business
A small shop and a hospital carry different risks. Our team helps you understand the available options and build cover around your operations, property, and liabilities.
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