Business

Insurance

Tailor-made Products to Meet Your Insurance Requirements

This insurance protects small to medium enterprises with an extensive series of custom made products like Fire & Perils guarantee; Group Personal Accident guarantee; Electronic Equipment guarantee or Goods in Transit guarantee.

Electronic Equipment

If you have subscribed Electronic Equipment guarantee we will indemnify you for loss or damage of electronic items, by payment in cash, replacement or repair. We will cover external data media which can be directly processed in EDP systems.

Commercial

Plan

If you have subscribed the Commercial plan, we will indemnify you in respect of destruction, damage or loss of or to any of the property insured as a result of all risks of accidental physical damage (accidental physical loss, destruction or damage) other than by an excluded cause or to an excluded property occurring during the period of insurance.

Public

Liability

Public Liability guarantee covers all costs and expenses of litigation recovered by any claimant against the policyholder, and incurred with the written consent of MAPFRE Middlesea, in respect of a claim against the insured to which the indemnity expressed in this policy applies.

Contractors

All Risks

Contractors All Risks guarantee covers the cost of clearance of debris following upon any event giving rise to a claim under this policy, provided a separate sum therefore has been entered in the schedule. CAR guarantee covers the insured items at work or at rest. It pays for the items being dismantled for the purpose of cleaning or overhauling, or in the course of the previously mentioned operations themselves, or in the course of subsequent re-erection, always after successful commissioning.

Theft

Guarantee

Theft guarantee pays for loss of, or damage to the property insured caused by theft or any attempted theft following upon, or followed by, violent entry or exit to or from the premises. It also indemnifies violent hold-ups and threats of violence to the insured or the employees. This includes the cost of damages to the premises.

Goods in Transit

Guarantee

Goods in Transit guarantee will pay, repair or indemnify the policyholder against loss of or damage to property in transit being loaded onto or unloaded from a specified vehicle. It also covers property temporarily housed in the course of transit by a specified vehicle during the period of insurance.

Money

Guarantee

Money guarantee covers loss of money occurring during the period of insurance and the cost of repair or replacement of the safe or strong room (not otherwise insured) directly associated with any theft or attempted theft.

Employer’s

Liability

Employer’s liability guarantee covers the policyholder against liability at law to pay compensation, and claimant’s costs and expenses, in respect of the bodily injury by accident or disease of an employee.

SME Insurance

Embarking or growing a business venture involves hard work, dedication and ongoing investment. Your hard-earned achievement should be accompanied by an insurance policy to help you safeguard yourself, your enterprise and your employees. MAPFRE Middlesea’s New Insurance Policy for Small and Medium Enterprises, is an excellent business solution to protect your entrepreneurial accomplishments.

The SME Insurance policy is the ideal insurance solution for those catering establishments, retailers, professionals, offices, clinics and light manufacturing, which sell goods or provide a service from their premises.

The MAPFRE Middlesea SME policy includes a number of benefits to ensure that your business is properly covered if something goes wrong. These include

full flexibility to increase cover limits or add on cover to suit your business’ unique needs;
cover for Property, Stock and other Trade Contents, Public and Products Liability, Employers Liability, Loss of Income, Money and Personal Accident Cover, Fidelity Guarantee, Equipment Breakdown as well as an Annual Travel Cover for the insured or any other employees.
Business Emergency Assistance to cater for all your emergency needs 24 hours a day 7 days a week through our call centre.

Whether you're a sole-trader, or an established company, Mapfre Middlesea will work with you to create the ideal cover for you.

Professional Indemnity

Insurance

The Professional Indemnity policy is intended to meet the needs of professionals who provide a service such as:

Accountants and Auditors;
Lawyers and Notaries;
Architects and Civil Engineers;
Electrical and Mechanical Engineers; and
Medical Practitioners.

The policy protects the insured professionals for claims made against them for injury, loss or damage as a result of any negligent act, error or omission whilst carrying out their professional services.

The cover may be extended to include:

Libel and slander;
Loss or damage to documents;
Dishonesty of employees;
Prior acts; and
Extended reporting.

Life

Insurance

It's What Matters Most

We believe life insurance and family protection are the pillars for successful financial planning and security. A person can never be replaced however, MAPFRE MSV's Life Insurance product portfolio is designed to give your family a helpful start in replacing your income in the event of death. To avoid unnecessary concern about what the future holds, through MAPFRE MSV, we offer a range of products to cater for protection, savings, investment and retirement purposes.