Property & Business Protection

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Property & Business Protection

1Property Insurance (Commercial & Industrial)

Covers damage to buildings, contents, stock, and equipment caused by fire, storms, floods, and other insured events. This cover is essential for any business with physical premises, factories, or warehouses.

2Business Interruption / Loss of Profits

This policy is designed to support your business financially when operations are disrupted due to property damage caused by an insured event. It helps settle fixed operational costs such as employee salaries and utility bills during downtime. The policy covers lost income and any additional expenses required to resume operations. Common events that trigger coverage include fires, equipment breakdowns, and natural disasters that halt normal business activities. FinSef works with clients to assess exposure, define appropriate indemnity periods, and implement strategies to reduce the impact of business disruptions.

3Burglary & Theft

Provides coverage for the loss or damage of contents within any insured building located at the premises described in the schedule. Coverage applies if theft occurs due to forcible and violent entry or exit or is accompanied by threats or acts of violence. All items that are the property of the insured or for which they are responsible are protected under this policy. FinSef customizes this policy based on your business’s security arrangements, the nature of operations, and how cash and valuables are handled. This creates a financial buffer to safeguard businesses from the consequences of criminal acts.

4Boiler & Pressure Vessel Insurance

Covers sudden and accidental damage to boilers and pressure vessels, including explosion risks. Required by safety regulations for businesses operating high-pressure equipment.

5Machinery Breakdown Insurance

Provides cover for mechanical or electrical breakdown of critical machinery—essential for manufacturers, production facilities, and processing plants.

6Money Insurance & Cash in Transit

Covers theft, loss, or damage of business money kept on premises, in safes, or while being transported—protecting your financial assets against robbery or mishandling.