What is Money Insurance?

Whatever industry you may operate in, small to medium enterprises will often require transportation and control of large amounts of cash, both within and outside the company’s premises.

Should this be a requirement of your company, Hollard’s all-encompassing Money Insurance will provide protection against physical loss of money resulting from theft.

Hollard Botswana’s Money Insurance offers your organisation comprehensive cover against the loss of money resulting from theft by a third party, not closely associated with your business.

What does Money Insurance provide cover for?

• Cash
• Bank notes
• Currency notes
• Cheques
• Postal Orders
• Money Orders
• Credit card vouchers
• Valued documents

This Money Insurance policy includes:

• Payout for relief of a money storage receptacle resulting from theft or attempted theft (limits apply)
• Payout for the replacement of locks and keys, should you believe an unauthorised person has gained possession of a copy of that key type (limits apply)
• Payout for injury to an employee that has resulted as a consequence of theft or an attempt thereof

Policy terms and conditions apply.

What is Office Contents Insurance?

Your company’s success is largely reliant on the contents of your office to keep it running smoothly. These office contents include data that can negatively impact the day-to-day operations of your business if damaged.

It is vital to take out Office Contents Insurance to safeguard your business against equipment or data loss.

Refresh-Link Office Contents Insurance covers your workspace contents for unforeseen incidents including theft, malicious damage and other misfortune.

Office Contents Insurance can include the following:

• General office contents such as equipment and tools
• The loss of documents in hard copy – these documents include written, printed or inscribed papers
• Loss or damage of money – this includes the loss of cash, bank and currency notes, cheques and other forms of money, provided it’s kept in a secure space
• Computers and digital data – Office Contents Insurance covers loss or damage of your computer, as well as the loss to your business due to damaged data or storage devices

Policy terms and conditions apply.

What is Fidelity Guarantee?

Refresh-Link’s Fidelity Guarantee Insurance will protect you against the loss of money, negotiable instruments or goods belonging to your business, as a result of an act of internal company fraud.

Fidelity Guarantee Insurance provides coverage if:

• An employee of the company committed the fraud
• The losses occurred no more than 24 months prior to discovery of fraud

This policy can also be extended to cover for past employees for a period of 30 days after the employment was terminated. A further extension can provide cover for events that occurred up to 12 months prior to taking up the insurance, but not more than 23 months prior to discovery.

Policy terms and conditions apply.

What is Business Interruption Insurance?

Business interruption is an unfortunate inevitability that may result from unexpected incidents such as fire or natural disaster. It is important to have Business Interruption Insurance to protect you from such unforeseen events, as they may leave your business unable to operate at usual productivity standards, meaning reduced income while your expenses remain the same.

Business Interruption Insurance can be tailored to compensate your business for:

• Your monthly fixed expenses and net profit
• The payment of wages for a stated amount of time
• The payment of fines and penalties for breach of contract because of non-completion or late completion of work

Policy terms and conditions apply.

What is Building and Related Risk?

Refresh-Link offers multifaceted Building Insurance solutions to safeguard your organisation’s buildings and structures against any unforeseen circumstances, natural disasters or intentional acts of malice.

Structures covered by Building Insurance:

• Building structures
• Building roofs
• Building windows
• Internal and external glass fixtures
• Recreational structures
• Landlord owned fixtures
• Tarred and paved roads
• Internal and external parking areas

Building and Related Risk Insurance covers:

• Fire
• Explosions
• Earthquakes
• Aircraft, or devices and articles that may be dropped from them
• Theft
• Damage to sanitaryware
• Damage caused by an animal
• Damage caused by a vehicle
• Damage to water, sewerage, gas, electricity and telecommunication connections

Additional Building Insurance benefits:

• Loss of rent benefit – Building Insurance covers the loss of rent that may result from the property being unable to be occupied
• Liability benefit – Business Insurance covers you for the accidental death, injury or illness of a person on your property at the time. This includes the accidental loss or damage of physical goods that may belong to a person on the property
• Malicious damage benefit – this benefit covers for loss or damage to property as that result of an intentional, malicious act

Policy terms and conditions apply.

What is Goods in Transit Cover?

Whilst transporting your business goods, they are at a high risk of being damaged or stolen, if only because your business security measures can’t be employed while traveling.

It’s important to have comprehensive Goods In Transit Insurance to cover your business stock or equipment whilst mobile.

Goods In Transit Insurance is specific to your company’s daily transport requirements.

Policy terms and conditions apply.