We are one of the oldest and most respected names in insurance in the country and we have taken great pride in providing our customers a truly professional service for more than 120 years.

With our long term involvement in Fiji we are in a position to understand your needs. We have the level of expertise and experience, plus the financial security to ensure those needs are fully met.

The new Tower Insurance range of Premier Policies is designed to meet your needs and circumstances whatever they may be.

We appreciate that every business has its own unique mix of assets and risks that your business protection needs are different to the needs of others.

That’s why we’ve designed a Business Protection Insurance policy that allows you to select only the aspects of the insurance cover you need to keep your business safe.

BUSINESS ASSETS This section is designed to protect the vital assets of your business with either a “Multi Risks” or “Specified Risks” cover. A) MULTI RISKS This is a very broad type of cover for sudden and unforeseen accidental physical loss or damage to your Business Assets. B) SPECIFIED RISKS This provides you with cover for sudden and unforseen physical loss or damage to your business Assets arising from these specified Risks: • Fire, Lightning, explosion, thunderbolt • Riot, strike, civil commotion, labour disturnabces, locked out workers, malicious acts • Water or oil damage from cooling and heating systems • Impact by vehicles and animals

TEMPORARY REMOVAL
We pay up to $5,000 for loss or damage to your Business Assets temporarily situated at other premises or in transit.

FIRE EXTINGUISHMENT COSTS
We’ll pay up to $5,000 to refill your extinguishers used to extinguish fire at your premises, or threatening your premises.

REMOVAL OF CONTENTS
We’ll pay up to $5,000 for costs of removal and temporary protection of your property following loss or damage to the building or contents.

ADDITIONS AND IMPROVEMENTS
We’ll automatically insure you for additions and improvements to your building or plant. (Maximum sum $5,000.)

FLOOD
This means we will pay up to the sum insured shown in the Certificate of Insurance for loss or damage caused by flood, subject to exclusions as detailed in the policy.

GALE, WINDSTORM, HURRICANE, CYCLONE
This means we will pay for physical loss or damage caused by gale, windstorm, hurricane or cyclone, subject to exclusions as detailed in the policy.

ACCIDENTAL BREAKAGE OF GLASS
We’ll pay for internal and external fixed glass that is accidental broken. We’ll also pay for emergency shuttering and repairs, and for signwriting.

EARTHQUAKE
We’ll pay for physical loss or damage arising from earthquake, volcanic eruption, tsunami, and geothermal hydrothermal activity.

This option provides you with maximum amount of insurance protection for your buildings or your plant.

REPLACEMENT VALUE ON YOUR BUILDINGS
This means, if the worst happens, your building will be rebuilt to “As New” condition, using current construction methods and materials.

REPLACEMENT VALUE OF PLANT
This means we will pay the replacement or repair costs of plant under 5 years old, other than motors.

INDEMNITY VALUE ON YOUR BUILDING
This means, if the worst happens, your building will be rebuilt to a condition no better than new, less an appropriate allowance for depreciation.

INDEMNITY VALUE ON PLANT
This means we’ll pay the cost to rebuild or repair your plant to a condition no better than new, less an appropriate allowance for depreciation.

While it is still vital to insure your Business Assets against loss, it is also just as important it insure your income too.

Chances are, your business could come to halt while assets are being replaced or repaired, and that’s why you need our Business income Protection. It keeps you in business while your other insurance helps you to repair the damage.

LEASED OR RENTED ASSETS
We’ll pay your loss of Business Income resulting from loss or damage to leased or rented Business Assets.

ACCOUNTANT’S FEES
We’ll pay up to $2,500 for your accountant’s fees for claim preparation expenses.

ADDITIONAL COSTS
We’ll pay up to $5,000 for any additional increased cost for working or rewriting your records

PREVENTION OF ACCESS
We’ll pay your loss of Business Income if your customers are prevented from being at your place of business due to fire anywhere in Fiji.

SUPPLIERS’ PREMISES
We’ll pay your loss of Business Income resulting from loss or damage by fire affecting your suppliers’ premises anywhere in Fiji.

PUBLIC UTILITIES
We’ll pay your loss of Business Income resulting
from the interruption of supply to your premises of water or electricity or failure of waste disposal systems and underground services relating to the premises.

This provides insurance cover up to the sum insured for loss or damage to cash, negotiable cheques, money orders, stamps, credit card invoices etc. when:

• In transit to and from your Business Premises and in your banks’ night safe.

• During your normal business hours at your premises.

• Contained in a secure locked safe at your premises outside business hours.

• In your personal custody at your home until commencement of banking hours the next working day.

SAFES AND STRONGROOMS
We’ll pay up to $1,000 for loss or damage to your safes or strongrooms caused by burglars.

We’ll provide insurance cover up to the sum insured for loss or damage to your property arising from burglary following actual forced entry into securely locked premises.

LOCKS AND MASTER KEYS
We’ll pay up to $1,000 for the cost of changing existing locks and keys, if they have been stolen.

Unless plant and machinery breakdowns are covered by a warranty or service contract, their breakdown can cause absolute turmoil.

Our Business Assets Breakdown Cover protects you against the cost of repairs as a result of machinery or electrical breakdown. We’ll pay the Replacement Value or repair costs to plant up to a total of $5,000.

TEMPORARY REPLACEMENT
We’ll pay up to $500 for the hire of a temporary replacement motor or refrigerant compressor during the time taken to repair damage to any motor.

COMPUTER RECORDS
We’ll pay up to $2,000 for the reconstruction costs of computer records and programmes.

SPOILAGE OF STOCK
We’ll pay up to $2,000 for the spoilage of your stock resulting from loss or damage.

Even the most carefully managed business can be affected by Legal Liability Claims.

We’ll provide cover for your legal Liability as a result of loss or damage to property, plus bodily injury, death or illness arising from accidents in connection with your business anywhere in Fiji.

We’ll also pay the costs incurred by you with our consent in defending claims, including any costs and expenses awarded against you.

WE’LL PAY YOUR LEGAL LIABILITY
• Following accidents arising during overseas visits on business by you or your employees.

• In connection with products exported to Australia and New Zealand, or any South Pacific Island (Exclusions apply to countries under USA jurisdiction).

• Following accidents arising from social or recreational activities organised by you.

BAILEE LIABILITY
We’ll provide cover for your Legal Liability as Bailee for goods in your physical and legal control.

We will pay up to $2,000 in total for loss suffered by you asa result of theft, false pretences, fraud or computer fraud by any of your employees.

We will pay compensation as prescribed in the Ordinance to any person employed by you.

We will provide cover up to $100,000 for your legal liability for damages including costs and expenses for personal injury or death to any person employed by you whose personal injury or death arises from an accident whilst actually engaged in your employment.