Autoguard Insurance Agency is a licensed Insurance intermediary acng as an advisor on risk management issues and providing insurance-based soluons to our clients. The business of the firm is capably handled by a team of enthusiasc and talented people who together have years of experience in insurance industry. We provide Risk Management soluons for both individuals, SME’s and Corporate enes at large.

Small and medium enterprises (SMS’s) & Corporate Insurance

Home Services Small and medium enterprises (SMS’s) & Corporate Insurance

Solutions We Offer

Small and medium enterprises (SMEs) are the backbone of many economies, contributing significantly to employment and economic growth. Insurance tailored to the needs of SMEs helps protect these businesses from various risks and uncertainties. Here's how SME insurance typically works:

Fire and Perils Insurance

Is a policy that covers against loss or damage to property caused by fire, lightning, explosion, earthquake, bush fire, riot and strike, floods, and related perils. The risk may involve commercial buildings, industries, private dwelling premises, good's in trade, domestic or business property, plant and machinery, stock insurance, furniture fixtures and fittings and office equipment.

All Risk Insurance

Provides indemnity against loss or damage to specified items as a result of any cause within the geographical area specified in the policy. This includes the, fire, riot and strike breakage and any other cause not excluded under the policy.

WIBA / WIBA Plus (GPA WIBA)

This is a combination of the workmen injury benefit act (WIBA) and Group Personal Accident (GPA) covers, intended to give an employer a one stop solution for employee insurance. This policy covers the employees of the Insured whilst on duty and engaged in the execution of the Insured's business &/or any project undertaken by the Insured, against accidental bodily injury, disablement or death. The WIBA Plus is an extension of WIBA and therefore ensures that the employees are covered 24 hours, even when outside the work place.

Public Liability

Protects an insured person or organization against their legal liability to members of the public (third pares) arising from; Death or bodily injury to third pares and Loss of or damage to third party property arising out of and in the course of the insured's normal business within the premises or a defined geographical location. The policy will also cover the costs of defending any suit brought against the insured (defence costs), in addition to any award that may be made against the insured by a court of law.

Machinery Breakdown Insurance

Coverage is meant for transportation of goods or items by sea or air. Marine Cargo Insurance policy provides indemnity against loss or damage for goods being transported by sea or air and incidental land transportation. Either single voyage policies or annual policies are offered.

Employers Liability Insurance

Provides cover for legal liability consequent upon death of or bodily injury to or illness of an employees which occurs during and in the course of employment and which results in a claim or claims first being made against the insured during the period of insurance. Cover is available only if it is purchased together with WIBA

Contractors All Risks Insurance

Covers contractors against loss or damage arising from insured perils in the course of construction (of buildings, roads, bridges, dams and similar infrastructure). Material damage: Covers the insured against sudden and unforeseen physical loss or damage to the construction works from any cause other than those specifically excluded. Third Party Liability: Covers the insured against any sums which the insured shall become liable to pay as damages consequent upon; accidental bodily injury or illness to third parties.

Burglary Insurance

Provides indemnity against loss or damage to property following forcible or violent entry or exit from insured premises. Assets, such as office equipment, stock in trade, furniture, fixtures and fittings are covered under this category.

Money Insurance

Covers loss of money by the whilst: *In transit from premises to the bank and vice versa. *In premises during business hours and outside business hours. *In the hands of the authorized personnel of the company. *Damage to safes and /or strong rooms.

Fidelity Guarantee Insurance

This insurance covers organizaons against financial loss caused by dishonest or fraudulent acts of employees.

Motor Insurance (Private and Commercial)

Indemnity against loss or damage to motor vehicle by accidental means, the, fire, malicious damage to the vehicle and Third Party Liabilies (death, injuries and property damage)

Goods In Transit (GIT)

This policy provides cover for loss or damage to various types of goods while in transit by road, rail or any inland waterway within the geographical area set out in the policy.

Professional Indemnity

Covers professionals against any claim that may arise out of their professional work. Cover includes professional errors and omissions and/or negligence. The policy pays for cost of litigation and any settlement that may be awarded.

Marine Cargo Insurance

Coverage is meant for transportation of goods or items by sea or air. Marine Cargo Insurance policy provides indemnity against loss or damage for goods being transported by sea or air and incidental land transpiration. Either single voyage policies or annual policies are offered.

Contractors Plant and Machinery (CPM)

This policy covers all different types of machinery used for handling material or construction. It covers sudden, accidental, external damage to the insured machinery due to any cause other than those specifically excluded in the policy. The policy covers the machinery whilst they are in operation or at rest or whilst being dismantled for the purpose of cleaning or overhauling or whilst being shied within the premises or during subsequent re-erection, but in any case, only after successful commissioning.