Target Market

  • Building industry, construction & development and general contractors
  • Manufacturers/repairers and factories
  • General business services
  • Small to medium sized commercial businesses
  • Storage of goods
  • Suppliers and service providers
  • Supported motor risks
  • Wholesalers and retailers

Key Benefits

  • Higher sub-limits than offered by our competitors
  • Increased reinsurance capacity
  • Wider buildings combined cover
  • ATM cover under the money section
  • Replacement value condition automatically included under the business all risk section
  • Liability cover is on a broad form basis
  • Enhance stated benefits and group personal accident sections
  • 4X4 extnsion available on motor
  • Options to have no theft/hijack excess on motor
  • Options to increase motor third party liability
  • Worldwide all risk cover for portable electronic equipment

Optional sections


  • Fire
  • Buildings combined
  • Office contents
  • Business interruption
  • Accounts receivable
  • Theft
  • Money
  • Glass
  • Fidelity
  • Third party computer and funds transfer theft
  • Goods in transit
  • Business all risk
  • Accidental damage
  • Greens and irrigation systems


  • Motor
  • Motor internal risk
  • Motor external risk


  • Electronic equipment
  • Machinery breakdown
  • Machinery breakdown – business interruption
  • Deterioration of stock

Accident Benefits

  • Stated benefits
  • Group personal accident


  • Public liability (claims made basis)
  • Employers’ liability
  • Umbrella liability

Domestic for businesses at private residence

  • House owners
  • Householders
  • Personal legal liability
  • Extented personal liability
How to claim

Find out how easy it to submit a claim to IUM by selecting the product you wish to claim on

Broker Zone

Brokers can register and manage their online profile

Seeing Machines

DSS provides commercial fleet operators with a proven, objective way to detect and prevent driver fatigue & distraction events in real-time.