{"id":5612,"date":"2025-06-03T11:17:25","date_gmt":"2025-06-03T11:17:25","guid":{"rendered":"https:\/\/stfcapital.org\/?page_id=5612"},"modified":"2025-06-03T11:23:08","modified_gmt":"2025-06-03T11:23:08","slug":"other-general-insurance","status":"publish","type":"page","link":"https:\/\/stfcapital.org\/index.php\/other-general-insurance\/","title":{"rendered":"Other General Insurance"},"content":{"rendered":"\t\t
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OTHER GENERAL INSURANCE<\/h2><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Motor Insurance<\/strong>
Our motor insurance covers third-party, fire and theft, as well as comprehensive options that include accidental damage to the insured vehicle. Additional benefits include medical expenses and towing charges. Clients can choose from three levels of cover: Third Party Only, Third Party Fire and Theft, or Comprehensive cover\u2014ensuring flexible protection based on your vehicle usage and needs.<\/p>

Asset All Risk Insurance<\/strong>
This all-inclusive policy is designed for organizations to insure all tangible assets in Zimbabwe. Coverage includes material damage to buildings and stock, fire and allied perils, theft, cash losses, goods in transit, glass, business all risk, business interruption, accounts receivable, claims preparation costs, and increased costs of working due to covered events.<\/p>

House Owner Insurance<\/strong>
Covers buildings, fixtures, and fittings against a range of perils including fire, theft, natural disasters, impact by animals, accidental water pipe damage, and accidental window breakage. This policy ensures homeowners are financially protected from unexpected damage to their property.<\/p>

Contractors All Risk Insurance<\/strong>
Provides cover for unforeseen and sudden physical loss or damage to property under construction. This includes work in progress and materials on site, as specified in the policy schedule, giving contractors peace of mind throughout the project duration.<\/p>

Electronic Equipment Insurance<\/strong>
Protects electronic devices against sudden and unforeseen damage, including losses caused by power surges, fire, theft, or damage to data and stored information. It is ideal for offices, data centers, and tech-intensive businesses.<\/p>

Marine Insurance<\/strong>
Offers protection for goods transported by sea and inland waterways. Covers loss or damage to cargo, ships, boats, and machinery, as well as third-party liabilities related to marine operations.<\/p>

Public Liability Insurance<\/strong>
Covers legal liability for injury or property damage caused to a third party in the course of business. This insurance helps protect your company from claims that may arise from day-to-day operations.<\/p>

Group Personal Accident Insurance<\/strong>
Protects employees against accidental injury or death resulting from visible, external causes. Includes cover for permanent disability, temporary total disablement, and medical expenses, providing financial security to staff and their families.<\/p>

Erection All Risk Insurance<\/strong>
Covers physical loss or damage during the erection, installation, or commissioning of plant and machinery. This policy is essential for contractors and engineers involved in heavy installations and industrial projects.<\/p>

Machinery Breakdown Insurance<\/strong>
Protects against unforeseen physical damage to machinery, whether operational, at rest, or recently installed. Ensures minimal disruption and repair cost coverage for essential equipment.<\/p>

Deterioration of Stock Insurance<\/strong>
Provides coverage for loss or damage of goods due to deterioration following a breakdown of machinery (covered under a Machinery Breakdown policy). Ideal for businesses storing perishable or temperature-sensitive stock.<\/p>

Plant All Risk Insurance<\/strong>
This policy covers heavy equipment and construction machinery listed in the policy schedule against sudden and unforeseen loss or damage. Coverage applies on-site and within specified geographical zones.<\/p>

Household Contents Insurance<\/strong>
Covers personal belongings within your home against risks such as theft, fire, lightning, storms, and flooding. Ideal for homeowners and tenants looking to protect their valuables.<\/p>

Personal All Risk Insurance<\/strong>
Provides comprehensive protection for valuable personal items including watches, jewelry, laptops, spectacles, sports gear, luggage, and personal effects, against loss or damage from external causes.<\/p>

Employers and Residual Liability Insurance<\/strong>
Insures employers against legal liabilities for injuries sustained by employees during work. Also covers penalties and fines imposed by the National Social Security Authority (NSSA).<\/p>

Products Liability Insurance<\/strong>
Offers manufacturers protection from legal claims related to injuries or property damage caused by defective products. This ensures financial protection and brand reputation management in the event of product failures.<\/p>

Professional Indemnity Insurance<\/strong>
Protects professional service providers such as doctors, lawyers, architects, and consultants against legal claims for professional negligence or errors that result in client losses or injuries.<\/p>

Directors and Officers\u2019 Liability Insurance<\/strong>
Covers company directors and senior officers against claims resulting from wrongful acts committed in their official capacities. Helps attract leadership talent by reducing personal risk.<\/p>

Fidelity Guarantee Insurance<\/strong>
Covers loss of money or property due to dishonest acts by employees\u2014including contract staff. Offers businesses protection from internal fraud and theft.<\/p>

ZINARA Vehicle Licensing & ZBC Radio License Sales<\/strong>
STF Capital conveniently facilitates the purchase of ZINARA motor vehicle licenses and Zimbabwe Broadcasting Corporation (ZBC) radio licenses, saving time and offering easy access for clients.<\/p>

Goods In Transit Insurance<\/strong>
Designed for logistics and transport companies, this policy protects goods against loss or damage while being transported from origin to destination\u2014whether locally or internationally.<\/p><\/div>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

OTHER GENERAL INSURANCE Motor InsuranceOur motor insurance covers third-party, fire and theft, as well as comprehensive options that include accidental damage to the insured vehicle. Additional benefits include medical expenses and towing charges. Clients can choose from three levels of cover: Third Party Only, Third Party Fire and Theft, or Comprehensive cover\u2014ensuring flexible protection based … <\/p>\n

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