Business Combined Insurance

Business Combined Insurance

Empower Your Business with Comprehensive Protection: Pacis Business Combined Insurance.

Tailored for small and medium-sized businesses in construction, production, distribution, or services, Pacis Business Combined Insurance offers all-in-one protection for your unique needs. Secure your investment with comprehensive coverage that includes free property valuation, risk assessments, and more. Your success is our commitment

What is Business Combined Insurance?

Pacis Business Combined Insurance is a multifaceted policy crafted for small and medium-sized enterprises in the realms of construction, production, distribution, or the service industry. It’s an all-encompassing solution that not only offers protection against a wide range of perils, including fire, theft, and natural disasters but also provides value-added services such as free property valuation and risk surveys. With personalized service and specialist claim handlers, this policy aims to provide robust protection, foster resilience, and support the unique needs of your business. From tailored quotes to coverages like public liability and directors & officers liability, it is designed to provide peace of mind in an unpredictable business environment.

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key features

What are the key features of this insurance?

Section A: Fire & Perils
Coverage for buildings, personal effects, furniture, etc., against risks like fire, lightning, earthquake, and more.
Section B: Fire Consequential Loss
Complements fire material damage policy, covering loss of gross profit and increased cost following a fire.
Section C: Burglary
Protection against loss or damage to business property following forcible entry/exit; must have a security guard on duty.
Section D: All Risks
Covers portable items like computers, laptops, etc., against accidental breakage, theft, or fire.
Section E: Public Liability
Covers 3rd Party legal liability claims both in and out of business premises, including accidental death or property damage.
Section F: Directors & Officers Liability
Coverage for claims against the Insured's Directors or Officers for any alleged Wrongful Act.
Section G: Loss of Money
Covers loss of money in transit or on premises, including damage to safes caused by theft.
Section H: Fidelity Guarantee
Protection against loss of money/stock by fraud or dishonesty of the insured’s employees.
Section I: Work Injury Benefits Act (WIBA) Insurance Policy
Coverage for expenses related to injuries or death suffered by employees in the course of duty; adjusts based on actual earnings.

Business Combined Insurance

Product Benefits

Comprehensive Coverage
Offers extensive and adaptable coverage to protect various aspects of a business, tailor-made to safeguard against a wide array of risks.
Specialized Support
Includes dedicated account handling, specialist claim handlers, free property valuation, and risk survey reports for personalized service and professional expertise.
Flexible Customization
Allows businesses to choose coverages that specifically match their unique needs, with tailor-made quotes and adaptability in premium adjustments for customization.

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Frequently Asked Questions

What is covered under Section A?

Section A covers loss or damage to buildings, personal effects, furniture, fixtures, stocks, etc., against various perils.

Can I customize my coverage?

Yes, you can choose specific sections that match your business needs, and tailor-made quotes are available.

What is the premium rate for Section B?

The premium rate for Section B is 0.125% of the property's value, minimum Kshs. 2,500.

Is there cover for theft by employees?

No, theft by employees is not covered under Section C: Burglary.

What are the key benefits of the policy?

Comprehensive Coverage, Specialized Support, and Flexible Customization.

How is the Work Injury Benefits Act (WIBA) Insurance Policy applied?

It covers expenses for injuries or death suffered by employees whilst on duty, with premiums based on estimated earnings.

Are portable items like laptops covered?

Yes, under Section D: All Risks, portable items are covered for loss or damage in accidental breakage, theft, or fire.

What is the scope of Public Liability insurance?

It covers 3rd Party legal liability claims in and out of the business’s premises for accidental death, injury, or damage.

Is there cover for loss of money?

Yes, Section G: Loss of Money covers loss of money in transit or on-premises, including damage to safes.

What are the funeral expenses benefits under WIBA?

The funeral expenses limit is Kshs. 30,000 per deceased person under Work Injury Benefits Act (WIBA) Insurance Policy.