Business Insurance

We provide our commercial customers with a wide range of customized business insurance solutions to suit their specific needs and requirements. We ensure maximum coverage in the event unforeseen expenses and liabilities are incurred. If you’re in business, you can be offered coverage against accidents, injuries, property damage, loss of profits, medical expenses and other areas of exposure that may affect your business.

Review Policy Types Review Average Clause

From basic coverage to specialized protection,
we offer several types of policy to allow you to get the right coverage for each stage of your business’s development.

Benefits

Helps minimize the financial losses

Coverage for lawsuits and settlements

Helps promotes business continuity

Protects the business image

Protects Against Liabilities

Why Choose JNGI Business Insurance

Helps minimise financial losses

Insuring your business with JNGI means that the financial loss incurred by your business during a disaster is transferred to us, relieving you of that financial burden and helping to safeguard your bottom line.

Protects against liabilities

Damages and legal claims against your company can be costly. When accidents and injuries occur at your place of business, your business insurance will cover these expenses. JN General Insurance provides maximum coverage in the event of incurred expenses and liabilities.

Helps promote business continuity

Insurance minimises risks, thus helping your business to maintain continued operations following a natural disaster, loss or damage to property.

Flexibility to Choose

Choose from our range of customised business insurance solutions - from basic coverage to specialised protection - to suit the specific needs and requirements of your business. We ensure maximum coverage when liabilities are incurred.

Coverages

Available Products

Type of Coverage

BizShield

This is a package policy that is specially designed to meet the basic insurance needs of most small businesses. It provides cover for material loss or damage of the Insured’s property including accidental damage and burglary. Employers and Public Liability coverage is also available under this Policy.

Bonds & Guarantee (Bid, Performance and Mobilization Bond)

These type of policies act as surety or security should the Insured defaults in their obligation to fulfill the terms of their contract.

Burglary *

This policy provides coverage for loss or damage to the insured’s property due to forcible entry to or exit from the premises resulting from theft or attempted theft.

Business/Consequential Loss *

Covers loss of profit and additional working expenses incurred to operate business following loss or damage by a peril under the Commercial All Risk or Fire and Allied Perils policies.

Commercial All Risk *

Following loss and/or damage caused by perils such as fire, lightning, hurricane, storm and tempest, flood, explosion, earthquake subterranean fire, this policy will cover damage, as well as accidental damage and burglary.

Computer All Risk *

In the event of accidental loss or damage to personal computers, this policy will provide coverage.

Contractors All Risk *

Designed for contractors, this policy provides cover for accidental loss of or damage to any work under construction.

Employers’ Liability

This policy is designed to indemnify the employer against their liability at law to employees to pay compensation and claimant’s costs and expenses in respect of death, injury or disease sustained and arising out of their employment.

Fidelity Guarantee

Employers are protected against loss of money and or goods belonging to or in the custody of the insured arising from acts of fraud or dishonesty on the part of employees with this policy.

Fire and Allied Perils *

Loss and/or damage caused by various insured perils such as fire, lightning, hurricane, storm and tempest, flood, explosion or earthquake subterranean fire, are covered by this policy. The cover excludes accidental damage and burglary.

Goods in Transit *

This policy covers loss or damage to goods or the liability for goods, during transit by road.

Money Insurance

Covers accidental loss of money belonging to the proposer or for which he is responsible and used for the purpose of the business.

Personal Accident

The policy indemnifies the insured against loss or damage as a result of death or bodily injury occasioned by accidental, violent, external and visible means independent of any other cause. It is a benefit policy and is not subject to the principle of indemnity.

Public Liability

This policy indemnifies the insured for amounts which the insured is liable to pay as compensation for accidental bodily injury to any person or accidental damage to third party property.

Travel Insurance

Travel insurance provides coverage against possible losses, injury and liability associated with traveling. These may include missed flights, lost baggage, broken leg and other travel mishaps that comes at a cost.

* Average applies

Purchasing some Property Insurance is subject to their availability.

We're here to assist you

You can reach a Business Insurance sales agent
at 888-225-5636

Request a Call Back