Small Business Insurance

Safeguard the continuity of your business with an insurance solution that’s customised to your business operations. We offer insurance solutions for a variety of business needs.

What does it offer me?

We offer Insurance for your business that enables you to cover your business from events such as Fire, Theft, Accidental Damage and resultant loss of profits. We offer the following for your business:

  • Vehicle & Asset Finance Insurance
  • Commercial Property Insurance
  • Cargo Insurance
  • Small Business Property and Contents Insurance
  • Life and Disability Insurance
  • Employee Insurance


Vehicle & Asset Finance Insurance

Insurance Covers available include motor comprehensive insurance for motor cars, light delivery vehicles, trucks, trailers and motor cycles.  We also provide Plant All Risks insurance for mobile machinery such as bulldozers, graders, front-end loaders, dump trucks, mobile cranes and forklifts.  For non-mobile assets or machinery, we can offer Fire and Allied Perils, Theft, Machinery Breakdown and Loss of Profits insurance, or if relevant an Assets All Risks policy covering all of the aforementioned perils and risks.  We will advise you on the type of cover required if Stanbic Bank is financing the asset.  We can also to continue to insure these assets even if the loan has been paid off.


 Commercial Property Insurance

This product covers insurance for buildings such as Houses, Offices, Shops, Factories, Warehouses, Distribution Centres, Hotels and Lodges.  The cover includes the perils of Fire and Allied Perils, impact, and malicious damage. In addition the cover includes loss of rent and Public Liability to name some of the major risks covered.


Cargo Insurance (Marine)

This product covers All Risks Marine Transit Insurance (by sea, air, road, rail or inland water), that may be needed for any imports or exports into or out of Botswana.  Transit within Botswana can also be covered.  


Small Business Property and Contents Insurance

This provides business contents insurance specifically designed for small businesses in the form of a simple Coupon product which makes signing oneasy and hassle free. The maximum limits that can be purchased are as follows:


Fire and allied perils – P500, 000

Burglary – P100, 000

Theft by employees – P100, 000

Accidental Damage – P50, 000

Personal Effects / Clothing – P30, 000

Electronic Equipment – P50, 000

Laptops / iPads /Tablets – P50, 000

Mobile Phones – P20, 000

Money – P30, 000

Property in Transit – P30, 000

Public Liability – P 1, 000, 000


There is no average clause in the policy which would normally be triggered should there be underinsurance.  The limit chosen is the limit paid should you suffer a loss equal to that amount.

Should you need to insure for amounts higher than the limits offered above, then this can be easily arranged.


Terms and Conditions Apply


 Life Insurance

This provides life insurance that is specifically designed for small business owners and their spouses or business partners.  The maximum limit is P500, 000.  Additional optional cover includes disability, critical illness and funeral cover.  The product includes a cash back facility, and even a premium skip for those months when the customer may have cash flow problems.  No medical underwriting is needed.

Should a limit be required that is higher than P500,000, then this can be arranged. 

Terms and Conditions Apply


Employee Insurance

An employee benefit solution including Life, Disability and/or Funeral Insurance can be arranged for your workforce. Workers Compensation Insurance can also be placed on your behalf.     



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