SME INSURANCE
SME INSURANCE
Protect you business with our all inclusive SME package policy
Specifically designed to cater to the unique needs of enterprises like yours, this package offers you a comprehensive set of 14 policies to safeguard your operations.
Our tailored packages cover a wide range of essentials, including protection for your building, office contents, loss of profits, loss of income, goods in transit, cash in transit, and the liabilities that may arise from running your business. With this holistic approach, we ensure that every aspect of your business is shielded from potential risks and uncertainties.
Say goodbye to the complexities of managing multiple policies. Our SME package simplifies your insurance needs into one convenient package, providing you with peace of mind and the freedom to focus on growing your business. Embrace the friendly and supportive coverage that aligns perfectly with your SME requirements, because we believe in supporting you every step of the way. Let us be your trusted partner in safeguarding your business ventures, ensuring your success and prosperity for years to come.
Business Insurance
Bundled packages that offer large volume discounts compared to purchasing individual stand-alone covers.
Experience the Difference
SME Package
Build a policy that's right for your business
Choose KIZ as your trusted partner in safeguarding your business ventures. With our SME Package Policy, you can have the peace of mind to focus on what you do best, knowing that your risks are mitigated. Experience the transparency, flexibility, and business-friendly approach we offer to support your success and ensure the long-term prosperity of your business.
What do we cover?
- Buildings
- Contents
- Burglary
- Loss of Profits (must be purchased with sections A, B, C)
- Loss of Income (must be purchased with sections A, B, C)
- Goods In Transit
- Cash In Transit
- Political, Terrorism, Strikes & Malicious Damage
- Natural Hazards
- Earthquake
- Public Liability
- Employers Liability
- Products Liability
- Professional Indemnity
- Machinery Breakdown
- Machinery Break Down Loss of Profits
- Electronic Equipment
CASE STUDY
Retail Shops
The biggest cost, and therefore the biggest risk, for most retail businesses is their investment in stock. How would your business cope if there was significant stock loss due to fire, burglary or a natural disaster?
Build an insurance package that will keep you and your business safe by selecting the elements that are most applicable to you; such as:
- Fire
- Burglary
- Cash in Transit
- Customer Liability
- Goods in Transit
- Income & Profit
- Natural Disasters
Liability Package
This package has identified a defined number of industries and occupations that need a focused number of products suitable in their trade. Below are some occupations that this package is recommended for:
CASE STUDY
Dentists
After years of study and experience you’ve managed to establish your own dentist practice; investing in the specialist tools and equipment, and a team of professionals to work with you.
Now you can protect your business and your clients in case of an unfortunate event.
- Specialist Equipment
- Customer Liability
- Employee Liability
- Electronics
- Income & Profit
- Fire
- Burglary
- Natural Disasters
Claim Settlement Process
STEP 1
Notify us of your claim either by phone, email or online within 14 days.
STEP 2
Provide necessary details about the incident.
STEP 3
Cooperate with any investigation conducted by KIZ.
STEP 4
Complete documentation and submit it online here: https://kiz.co.zm/claims
STEP 5
We will review and investigate the claim, providing feedback to you.
STEP 6
Finally, a decision will be made, along with a cash settlement form to be completed if the claim is approved.
Documents Required
- Claim form provided by KIZ
- Proof of loss (invoices, receipts)
- Incident documentation such as accident reports or police reports and witness statements
- Correspondence records
- Contracts or agreements
- Financial records
- Evidence of product involvement
- Medical records (if applicable)
- Any relevant documentation to support the claim
