The IBNA Gold Business Package Insurance Policy has some of the best coverage policy wordings available on the market at very competitive premium rates.

Some of the policy features are:

• Accidental misfortune of any description not specifically excluded is covered so it provides a broad safety net cover and is not limited to a list of specified events cover like most policies.
• Replacement cost as new coverage - including natural disaster cover increase up to 20% of building cover in the event of cyclone, bush fire, earthquake, severe storm etc.
• Business Interruption cover option - to ensure your cash flow continues when your business can't due to a major disruption
• Claims preparation costs up to $25,000 to engage your own claims expert
• Flood coverage available
• Transit cover up to $50,000 for property on your vehicle against collision or overturning
• Taxation audit costs coverage up to $10,000 automatically included
• Legal liability for bodily injury or property damage anywhere in the world to your selected sum insured and including property in your control cover up to $100,000
• Employee dishonesty up to $5,000
• Illegal use of corporate transaction card up to $5,000
• Money coverage - seasonal or festive cover increased to 50% additional cover
• Storm damage to walls, gates and fences included up to $25,000 ... not usually covered
• Special Risks coverage option - unspecified items cover up to $2,000 per item for property away from the premises
• Theft without forcible entry coverage option at the premises up to $5,000 limit