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.

SME policy is a combined package which can be tailor made to suite Small to Medium size business. It comprises 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.

Cover also provided Business Emergency Assistance to cater for all your emergency needs 24 hours a day 7 days a week. Whether you’re a sole-trader, or an established company, we will work with you to create the ideal cover for you.

Benefits & Advantages

We will cover trade contents including money and stamps (other than National Insurance stamps) for an amount up to €250.

We will cover computer systems records, up to the value of the material together with the cost of clerical labour and computer time in reproducing such records, for an amount not exceeding €2,500.

We will pay all costs and expenses of litigation incurred with our written consent in respect of a claim against you with regard to any incident related with the business in the Maltese Islands.

Accidental bodily injury caused to any employee, if such injury arises out of and in the course of their employment by you, will be covered.
If property used by you suffers damage, causing an interruption of the business which results in loss of gross income, we will cover the cost of working for the only purpose of avoiding or diminishing the reduction in the gross income.

We will cover damages, directly associated with any theft or attempted theft, of safe or strong room, cases, bags or waistcoats when used for the carriage of money.
We will cover temporary total and partial disablement caused by robbery or attempted robbery.

We will pay for pecuniary loss suffered by you by an act of fraud or dishonesty committed by any guaranteed person.

In the case of accidental death, disablement, or temporary total disablement from attending to business, we will pay benefits to the person-insured or to his/her legal personal representative.

We will cover damages caused by electrical or mechanical breakdown and artificially generated electrical current that disturbs electrical devices, appliances or wires. We will pay for damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any event inside such equipment. We will also cover damages to hot water boilers or other water heating equipment.

We provide an Emergency Repair Service to secure your business and prevent further loss or damage occurring following an emergency such as unexpected damage to piping, leaks from sanitary fixtures and fittings and fixed water installations within your property.

We will cover the complete failure of the electrical supply within your business as a result of a fault or damage to the internal electrical installation.