What To Consider When Buying Insurance
Make sure you’re not paying for insurance you don’t need. Here are 6 questions to help you choose a suitable policy. 1. What do you want your insurance to cover? 2. Are you OK with what’s not covered? 3. Are you paying for things you don’t need? 4. Can you afford to increase your insurance excess? 5. Are you being […]
What Is Insurance Excess?
Insurance excess is the amount you have to pay towards the total cost of an insurance claim. It’s usually a pre-agreed amount. Your insurer will then contribute the rest – up to the limit of the cover. You’ll see insurance excess on insurance products like travel, motor, home, and health. If you’ve pranged your car […]
What Are The Different Types Of Insurance?
Insurance protects you and your belongings from the financial cost of something going wrong It can’t stop bad things from happening. But if something unexpected does happen – such as a burglary, a car accident, or an illness while you’re on holiday – it means you won’t have to pay the full financial cost on […]
How To Compare Home Insurance Policies
When it comes to choosing home cover, value for money isn’t just about price. Here are 8 things to consider when comparing home insurance policies It may sound obvious, but you need to read an insurance policy carefully. The level and type of cover you have is just as important as the price. For example, […]
Buying Insurance
There are several ways to find and buy insurance to cover almost every risk you might encounter. We recommend contacting CAPITA Insurance Brokers Inc., in person, online or by phone. You could also be offered certain insurance coverage as part of a purchase, or have it included within a policy you already have in place. […]
Professional Indemnity Insurance
Why get professional indemnity insurance? Financial protection for claims alleging negligence or failure to deliver a service as promised. Protect your practice with Professional Liability Insurance Professional Indemnity insurance explained Professionals can be held legally liable for negligent acts, errors or omissions and made to provide compensation to the injured third party. The purpose of this […]
Money Insurance
Why get money insurance? In the fast-paced world of business and finance in Lesotho, securing assets is a top priority. One essential way to safeguard financial stability is through money insurance, which protects businesses from the loss of money due to various risks like theft, robbery, or accidents. This type of insurance provides a safety net, […]
Marine Insurance
Why get marine insurance? This insurance covers cargo losses or damage caused to ships, cargo vessels, terminals, and any transport in which goods are transferred or acquired between different points of origin and their final destination. Such policies can provide coverage in the event of a hurricane, accident, vandalism or theft and protects the insured […]
Goods In Transit Insurance
Why get goods-in-transit insurance? It protects your business against theft or loss of goods whilst in transit. Goods-In-Transit Insurance explained Goods in Transit Insurance protects businesses and individuals against loss or damage to goods while they are being transported from one location to another, whether by road, rail, air, or sea. It’s commonly used by […]
Employers Liability Insurance
Why get employers liability insurance? This policy indemnifies the insured against being liable to pay damages in respect of death or bodily injury sustained by any employee and occurring during the period of insurance. The accident must arrive out of and in the course of the injured person’s employment in connection with the insured’s business. […]