Commercial Insurance (Traditional cover)

In the dynamic landscape of business risks abound, our comprehensive commercial insurance solutions are meticulously designed to shield your enterprise against unforeseen circumstances, ensuring your peace of mind and continuity of operations. At GM Financial Services, we understand the multifaceted challenges faced by businesses, and our wide range of coverage options addresses these challenges head-on.

Fire & Allied Perils: Safeguard your business against unexpected disasters like fire, lightning, explosions, storms, earthquakes, and more. This coverage includes damages to your property, alterations as a tenant to the building and structures.
Buildings Combined: Comprehensive protection for your buildings, including outbuildings, fixtures and fittings. This cover extends to damages caused by fire, lightning, explosions, theft, accidental damage to sanitaryware and more.
Business Interruption/Profit Loss: In the event of damages covered under other sections, this coverage ensures your business doesn’t suffer financially due to interruptions. It includes compensation for lost profits, revenue and additional costs incurred to keep your business running.
Fidelity Guarantee/Employee Dishonesty: Safeguarding against financial loss due to employee fraud or dishonesty, including the loss of money or property belonging to your business.
Public Liability: Protection against legal liabilities arising from accidents or injuries that occur on your business premises. This includes compensation for bodily injury, illness, or damage to tangible property.

Late Enrolment Guarantees: The law requires all Home Builders to enroll every new home with the National Home Builders Registration Council (NHBRC) before construction commences. If a builder has failed to enroll such a home with the NHBRC we can assist with a Late Enrolment Guarantee.
Employee Liability: Coverage for legal liabilities arising from employee injuries or illnesses during the course of their employment, ensuring compliance beyond what is covered by workers compensation.
Theft: Protection against theft involving forcible entry into your premises, covering damages to the building, fixtures and fittings. Additionally, it includes loss of buildings, fixtures and fittings due to theft attempts.
Accounts Receivable/Book Debts: Safeguard against the inability to trace outstanding debts due to loss or damage to essential records, ensuring your financial stability isn’t compromised.

Money: Covering loss or damage to money or negotiable instruments, ensuring your financial assets remain protected.
Good in Transit: Protection for your property during transit, safeguarding against accidents or misfortunes that may occur in the course of transportation.
Personal Accident: Providing compensation for accidental bodily injuries to principals, partners, directors, or employees, ensuring financial support in challenging times.
Motor Insurance: Comprehensive coverage for your vehicles, including damage to the vehicle, accessories and liability to third parties arising from accidents involving your vehicles.
Computer Equipment All Risk: Covering physical loss or damage to electronic equipment from various causes, whether at work, in transit, or temporarily stored at other premises.