Hollard Ghana Commercial Asset Insurance
Protect the continuity of your business with products such as goods in transit, business interruption and bonds insurance.
Business Interruption Insurance
Cover the loss of business income after an unexpected event
Natural events such as floods, lightening or even fire can happen unexpectedly and negatively impact on your business operations. Your factory may have to be shut down after a blaze or some of your equipment may be faulty after being struck by lightening.
Our business interruption insurance will pay your business for income lost should your operations be interrupted by the events listed in our fire damage policy. These could be fire, lightning and allied perils such as floods, impacts, explosions, earthquakes, windstorms, riots, strikes and civil commotion.
Get financially covered against this loss of income so that if something unexpected happens, your business won’t suffer cash flow issues and you can be up and running again as soon as possible.
Coverage of financial losses resulting from fraud or theft
If you employ cashiers, bank clerks, accountants or a sales team within your business, they will be frequently exposed to things like cash and valuable business stock. For some, the temptation can be too great not to steal these assets or misuse them in a way that is against the law.
Should one of your employees commit theft, fraud or dishonesty towards your company, our Fidelity Guarantee insurance will protect you by compensating you for any direct financial losses that result from acts of dishonesty by your employees.
Goods In Transit Insurance
Protect goods being transported within the daily running of your business
Does your business buy raw materials that are then converted into finished products? Or maybe it regularly transports goods to your end customers? Our Goods in Transit insurance will protect your business against the accidental loss of or damage to goods being transported by roads within Ghana, caused by any of these events:
- An accident to the transport vehicle
- Theft following violence or threat of violence against your employee or carrier, other than at your own business premises
Protect cash in your business from loss or damage
Holding cash in your business brings with it a host of risks, so it’s best to be covered for unexpected or unwanted events. Hollard’s Money Insurance covers your business for loss, damage or destruction of money in-transit, cash in your safe/s, cash held on your premises (including hold ups), and/or in the residence of any of your employees.
You can also take out additional cover to protect your business against loss, destruction or damage to any safe, strong room or till caused by someone else during a theft or an attempted theft. You can also get cover for damage to clothing or personal effects sustained by you or your employees, by a person attempting to steal money from your business.
Get financially covered for any business burglaries
Businesses often hold valuable assets on their premises – and there may not always be people present to watch over them. This can make them an easy target for theft.
Our business burglary insurance covers you for any damages that happen to your business premises because of a burglar attempting to enter or exit your property, or if they try and do so but aren’t successful.
Our definition of premises doesn’t include any garden, veranda, yard or open out-building or other buildings that aren’t enclosed or in communication with the main building.
Get financially compensated if your business is affected by fire or other events
Fire is very destructive and can destroy months and years of hard work if it affects your business. Hollard Ghana’s Fire Insurance gives you financial compensation for any losses or damage to residential, commercial and industrial properties by fire or lightning.