Property and Engineering
Keeping your business alive… even when your doors are closed.
ART specializes in designing and implementing insurance programmes for Pan-African commercial property portfolios. We combine our African expertise and experience with great relationships with both global and African insurers and key broker partnerships on the ground.
Whether it be due to fire, flood, riot or machinery breakdown, if your property-dependant business cannot operate due to damage, it can have devastating consequences for the future of your business. Correctly structured property insurance means not only will the policy cover repair, replacement or reinstatement, but your lost revenue is protected as well. Because after all, the business must go on…
Designed for property owners in retail, commercial offices, industry, warehousing, and more.
Defends against risks threatening your physical assets, assists with legal liabilities associated with property owners.
“Protect your brick and mortar and business continuity”
- Insures your physical assets against fire, theft, vandalism, natural disasters, and other unforeseen events.
- Material Damage cover offers comprehensive protection for buildings, equipment, and inventory.
- Business Interruption cover mitigates financial losses stemming from covered events that disrupt regular business, compensates for ongoing expenses and lost income until operations recover to pre-damage levels.
“Safeguard against legal liabilities”
- Covers the risk of third-party bodily injury or property damage.
- Safeguards your company against potential legal liabilities.
- Extends to cover legal fees, costs and damages.
“We live in a world of heightened risk from unexpected sources”
- Political Violence and Terrorism insurance covers damages and losses due to terrorism, political upheaval, riots, civil unrest, military coups and can be extended to war and/or civil war.
- Supports business continuity and helps your business mitigate financial loss due to property damage, business interruption, or liability claims arising from these events.
Keeping your projects on track
Continuity cover for contractors, promoters and real estate developers
Cover against the cost of damage to worksites, equipment, machinery, and potential third-party injury. Defend your bottom line against potential financial loss caused by project delays.
Big investment.
Contractual responsibilities.
Relentless pressure to hit deadlines.
Property developments face a diversity of risks and subsequent delays and losses. Our Engineering Covers offer a defensive front of insurances to help you see projects successfully through to completion.
“Unforeseen events during construction”
- Extensive cover for construction projects, protecting against damage to worksite, materials, and equipment.
- Liability cover for third-party bodily injury or property damage resulting from the construction activities.
- Mitigates financial risks associated with unforeseen events during the construction process.
“Delays mean consequential losses”
- Alternatively referred to as Delay in Start-Up (DSU) insurance.
- Provides coverage for financial losses caused by project delays directly related to damages covered under a CAR
- Protects against the potentially devastating impacts of construction delays, compensating for lost revenue and additional expenses incurred during the delay period.
“Covers goods in transit by sea, air, or land”
- Imported equipment, machinery, or construction materials are vital role to timely project delivery.
- Delay, damage or loss during transit can result in unforeseen replacement costs, disrupted project timelines, and handover holdups.
- A well-structured Marine Cargo policy covers goods in transit by sea, air, or land, providing financial protection against loss or damage during transportation, and can also address the associated delays through coverage extensions, such as linking Advanced Loss of Profit (ALOP) or Delay in Start-Up (DSU) insurance to the Marine Cargo policy
The ART of Insurance &
Risk Transfer Solutions
- Understand your business and needs
- Design solutions
- Simplify the process
- Partner with the best
- Protect your business and your people
- Support you every step of the way