SHORT-TERM INSURANCE

Progressive insurance brokers offers the following broad classes of insurance;

Motor
Agriculture
Property
Casulty
Engineering
Marine
Miscellaneous accidents
Bonds and guarantee

Detailed below is a summary of cover provided;

1. Motor Vehicle Insurance

Your car is an indispensable part of your life. Consider the many potential risks that your car is exposed to and ensure that it is sufficiently protected.

Vehicle insurance cover options:

Road Traffic Act
Full third party
Full third party – Fire and theft
Comprehensive

Cover provided for:

Private motor – limited to 9 vehicles
Motor fleet - suitable for companies; minimum 20 vehicles
Motor traders
Motor cycles & trailers
Commercial vehicles – such as trucks, staff buses, school buses, commuter omnibus etc

2. Agriculture Insurance

Over the years we have built-up a close relationship with our farming clients. The agricultural community demands a personal and reliable service and we pride ourselves in doing exactly that! We know your farm is important to you, regardless its nature or size. As your partner in agriculture, we aim to make insurance even more accessible, affordable and appealing. We continue to invest in effective risk management in order to make a real difference in helping you create a sustainable future.

Farmers Master policy

Cover designed to provide comprehensive cover for farmer;

Fire on farm buildings & contents, crops and farmhouse and contents
All risks (business property)
Livestock
Theft and money
Personal accident and personal all risks

3. Property Insurance (Home contents)

It is easy to underestimate the value of your home’s contents. Sadly, this can be an expensive oversight should something ever go wrong. We are here to help you make sure your home contents cover is sufficient.

Home combined policy

This is a package for householders and house-owners. The cover is for:

Buildings, contents, clothing and personal effect (all risks)
Personal accidents
Personal liabilities as owners/ occupiers in personal capacity
Comprehensive

Property insurance cover is in respect of loss or damage to tangible assets or property excluding motor vehicles against risk of fire, lightning, riot strike, explosion, storm damage, earthquake. Property insured ranges from dwelling house to large industry complexes including contents.

4. Casulties

Cover includes;

Liabilities – cover against legal liabilities to 3rd parties due to negligence by insured causing injury to other parties (general liability, products liability & detective workmanship and common law & employer’s liability)
Personal accident – cover for accidental death or bodily injury including incurred medical expenses caused by violent, external and visible means
Fidelity guarantee

5. Engineering

Cover for sudden & unforeseen physical loss or damage to plant & machinery also includes construction projects.

Contractors all risk
Plan all risks
Erection all risks
Electronic equipment
Machinery breakdown

7. Marine

Cover for sudden & unforeseen physical loss or damage to plant & machinery also includes construction projects.

Cargo Cover for accidental loss or damage to goods whilst in transit by road, rail, air or sea
Hall Cover for boats, vessels and liabilities incidental thereto

8. Miscellaneous accidents

Cover for classes of insurance such as theft, accidental damage, all risk, glass and inland within Zimbabwe

9. Bonds & guarantees

Provides surety or guarantee following non- performance

10. Home combined policy

This is a package for householders and house-owners. The cover is for

Buildings, contents, clothing and personal effect (all risks)
Personal accidents
Personal liabilities as owners/ occupiers in personal capacity

11. Business combined policy

Package for small to medium companies such as retailers, professional etc. Provided under one roof is as follows - fire, business interruptions (loss of profit), All risks, money, theft, glass, good in transit and public liability

12. Assets all risks

Cover for cooperate clients and provides tailor made and blanket cover of their assets

13. Farmers Master policy