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Commercial & Specialty Cover

Commercial & Specialty. Cover most insurers will not write.

Bonds and guarantees, engineering, cyber: Allied writes the specialist commercial lines Zimbabwean business needs, alongside everyday commercial and farming cover. A short-term insurer since 2006, regulated by the Insurance and Pensions Commission (IPEC), underwriting your risks simply.

The specialty book

Specialist. Five lines, written simply.

Open a line to see what it carries, then read the full cover below. The specialist classes, alongside everyday commercial and farming cover.

0yrs
Underwriting Zimbabwe since 2006
  • 01

    Commercial

    Structures, assets and the professionals a business relies on, with the liability, professional indemnity and directors' cover it carries.

    See details
  • 02

    Engineering

    Mechanical plant, electronic equipment and construction and erection projects, from installation through to operation.

    See details
  • 03

    Bonds & Guarantees

    Paper securities that keep trade moving: guarantees that stand as a fallback and release liquidity back to the contracting parties.

    See details
  • 04

    Cyber

    Cover against the financial loss when unauthorized persons reach your ICT systems, placed through specialized insurance capacity.

    See details
  • 05

    Farming

    Cover for the farm as a working business: the crops, the livestock, the assets and equipment, and the liabilities that come with them.

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The cover in detail

In detail. Open a line to read its full cover.

Commercial Insurance

Comprehensive. From the premises to the boardroom.

Commercial cover safeguards the structures and assets behind a business: the office, the warehouse, the commercial property. It protects the professionals a business relies on, from doctors and lawyers to accountants, and it answers the consequential loss that follows a claim.

Because a business is a legal person that can sue and be sued, the cover extends to liability, professional indemnity, and directors' insurance for the decisions taken at the top.

  • Business structures and assetsOffice, warehouse and other commercial property
  • ProfessionalsDoctors, lawyers, accountants and other service providers
  • Consequential loss
  • Liability policies
  • Professional indemnity
  • Directors' insurance
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A modern commercial office building lit at dusk
Engineering Insurance

Specialist. For plant, equipment and projects.

A specialist class of cover for the machinery and projects that build the economy. It answers the risks to mechanical plant and equipment, electronic equipment, and construction and erection projects, from installation through to operation.

Consequential loss, including advance loss of profits, sits alongside the legal liability that engineering work carries. Cover extends to environmental impairment from operating insured machinery such as mining.

  • Mechanical plant and equipment
  • Electronic equipment
  • Construction and erection projectsProject installation, plant erection and operation
  • Consequential lossIncluding advance loss of profits
  • Environmental impairmentFrom operating insured machinery, for example mining
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A tower crane over a construction site
Bonds & Guarantees

Guaranteed. Security that keeps trade moving.

A specialist class built to keep business moving. Instead of tying up cash against what might go wrong, contracting parties hold paper securities: guarantees that stand as a fallback if an obligation is not met.

The bond is called on only in time of need, which facilitates trade and releases liquidity back to the parties.

  • Financial Guarantees
  • Customs and Excise Bonds
  • Construction bondsBid bonds, performance bonds and advance payment guarantees
  • Master of High Court BondsLiquidation bonds and estate administration bonds
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An aerial view of a commercial port handling cargo containers
Cyber Insurance

Protected. When your systems carry the risk.

Business now runs on ICT, and more and more information for individuals and organizations is stored inside those systems. That concentration is a risk in itself: if unauthorized persons access the systems, the financial loss can be severe.

Cyber cover insures against that loss. Allied places it through specialized insurance capacity, so the protection is there as the exposure grows.

  • Financial loss from unauthorized access to ICT systems
  • Cover for individuals and organizations
  • Placed through specialized insurance capacity
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A large-scale data centre handling ICT systems
Farming Insurance

Grounded. Cover for the working farm.

Cover for the farm as a working business. A farming policy can protect the crops in the ground, the livestock on the land, and the assets and equipment a farm depends on, together with the liabilities that come with agricultural operations.

Talk to us about a policy shaped around how your farm actually runs.

  • Crops
  • Livestock
  • Farm assets and equipment
  • Farm liability
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A tractor working a farm field

Cover for the rest of your world

Personal & Home Houses, contents, electronics, personal accident and liability. Motor Comprehensive and third-party cover, with flexible premiums. Get a quote Tell us the risk and we will come back with a solution.

Covered. Whatever your business carries.

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