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 small business that enables you to cover your business from events such as theft, accidental damage and increased costs of doing business. We offer the following for you small business:

  • Vehicle & Asset Finance Insurance
  • Commercial Property Insurance
  • Tradesure
  • Small Business Property and Contents Insurance
  • Enterprise Life Insurance


Vehicle & Asset Finance Insurance

Insurance types 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 offices, shopping complexes, industrial factories, warehouses, distribution centres and hotels.  The cover includes the risks of fire and allied perils, impact, and malicious damage. In addition the cover includes Loss of rent, Public Liability and Public supply connections to name some of the major perils covered.



This product covers All Risks Marine Cargo 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. 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 there be a loss equal to that amount.


Terms and Conditions Apply


Enterprise Life Insurance

This Provides Life Insurance that was 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.


Terms and Conditions Apply

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