Insurance Solutions for Corporate

"Empowering your enterprise with protection that adapts to your industry."

Construction All Risk & Erection All Risk (CAR/EAR) Insurance

Specialist policies designed to cover construction and installation projects against loss or damage during execution.

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Material damage at the site (fire, flood, theft, accidental damage)
Tools, machinery, and equipment used for the project
Collapse or design defects (excluding workmanship)
Third-party liability during construction

Contractor’s negligence or faulty workmanship
Fines, penalties, or project delays
Natural wear and tear
War, strikes, or nuclear risks

Corporate Motor Insurance

Provides cover for commercial fleets or company-owned vehicles used for business purposes.

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Damage or loss to business vehicles
Third-party injuries or damage
Fire, theft, hijacking
Optional covers for passenger liability, roadside assistance

Unauthorized or unlicensed drivers
Non-disclosed private use of company vehicles
Wear and tear or mechanical breakdown

Corporate Health Insurance

A group policy that offers employees access to medical services and private healthcare, enhancing workplace wellness and productivity.

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General and specialist medical consultations
In-hospital treatments and surgeries
Chronic disease care and emergency care
Maternity and wellness programs (optional)

Undisclosed pre-existing conditions
Cosmetic or non-essential procedures
Services outside the network (unless approved)

Group Personal Accident Insurance

Covers employees or group members for accidental injury, death, or disability, whether during work or leisure.

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Death and permanent disability due to accidents
Medical and rehabilitation costs
Temporary total disability income
Funeral assistance

Illness or disease not caused by accidents
High-risk activities unless declared
Criminal or reckless behavior

Workman’s Compensation Insurance

A compulsory policy that ensures employees are compensated for injuries or illness sustained while performing their job.

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Medical treatment for work-related injuries
Loss of income while recovering
Disability or death benefits to employees or families
Legal expenses related to claims

Injuries due to gross misconduct or intoxication
Non-work-related illness or injury
Contractors not classified as employees

Assets All Risk Insurance

A business insurance policy that protects physical assets against a wide range of perils — beyond just fire and theft.

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Loss or damage due to fire, storm, theft, or accidents
Office furniture, machinery, equipment, stock
Optional business interruption cover

Normal depreciation and wear
Unoccupied premises
Fraud or employee dishonesty
Data corruption

Marine Insurance

Covers cargo, goods, and vessels during transportation by sea, land, or air. Ideal for importers, exporters, and freight companies.

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Loss or damage in transit
Theft, fire, and shipping incidents
Port storage (temporary)
Freight and shipping costs (optional)

Poor or improper packaging
Delay in delivery or customs issues
Piracy and war (unless extended)

Cyber Liability Insurance

A modern policy that protects businesses against losses from cyberattacks, data breaches, and digital threats.

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Hacking and unauthorized access
Legal and regulatory penalties
PR and crisis management
Data recovery and ransom demands

Employee negligence or insider fraud
Poor IT infrastructure or outdated software
Fines from deliberate non-compliance

Liability Insurance

Covers your business if it becomes legally liable to pay damages for injury or property damage caused to a third party.

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Public liability (injuries or property damage)
Product liability (faulty goods or services)
Legal defense and settlement costs

Intentional acts or fraud
Professional negligence (requires E&O cover)
Contractual liabilities not disclosed in policy

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Insurance isn’t just about mitigating risks - it’s about providing peace of mind, stability, and confidence.

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Insurance Individual Corporate

Premium Insurance Company, SA
Insurance Company regulated by the Insurance Supervision Institute of Mozambique (ISSM)
Registration Number: 105017691
NUIT: 401712240