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Business Property Insurance

Business Property deals with the environment of the business premises as well as the relevant security devices noted at that building. It consists of the following types of cover:

Business Building:

MiWay’s Business Property Insurance allows you to choose what your business building at your business premises will be covered for.

It is up to you which perils you would like to cover. Your options are as follows:

  • Accidental and intentional damage
  • Impact
  • Theft of or any damage caused by attempted theft of fixtures and fittings
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Geyser and pipes

Benefits of insuring your business building with us:

  • Access to Emergency Assistance cover in order to ensure the safety of occupants and to minimise further damage
  • Get cover for loss or damage caused during construction or alteration, which includes cover for building materials, fixtures and fittings
  • Business Property Insurance will also cover you for loss of water in the event of a valid claim.

Office Contents: 

With Office Contents Insurance from MiWay, your business is automatically covered for:

  • The refilling of fire extinguishing equipment used during a fire at the premises.
  • Emergency Assistance - which includes the services of a locksmith, electrician, builder, plumber, glazier, bee keeper and tree feller. Emergency Assistance further includes guard(s) to protect unsecured premises after an insured event to mitigate further loss.
  • The replacement fees for lost keys and remotes as well as the replacement of locks.
  • Charges by the fire brigade following a fire.

 

Choose which perils you would like to cover your office contents against:

  • Accidental and intentional damage
  • Impact
  • Theft of or any damage caused by theft or burglaries
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Geyser and pipes

We’ll also cover the costs of removing any debris, costs to make the site safe, as well as any professional or municipal costs incurred in the case of a total loss.

Stock:

If you’re storing stock on your business premises, it’s just as vulnerable to theft and damage as your tools and machinery. If losing it would cause serious damage to your cashflow, our stock insurance option will help set your mind at rest, freeing you up to get on with the task at hand.

Electronic and Specialised Equipment:

Chances are, your business relies on specialised equipment or tools of some kind. Having insurance cover in place for these will set your mind at ease - knowing that if your equipment is damaged or stolen, you’ll be able to replace it quickly and comfortably, and get on with the job at hand. We cover equipment transported away.

Money:

You may keep money on your business premises - to pay staff, in the tills - or even petty cash. Having Money Insurance in place protects you financially against the loss of or damage to your money kept in your business property.

Money insurance with MiWay covers: 

  • Damage to safes
  • Uninsured personal effects
  • Emergency medical costs

Terms and conditions apply to all products, services and benefits mentioned above. Get in touch with us or refer to our policy wording for more details.