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Commercial Property Insurance

Protect your commercial property against damage, loss and theft.

Covering your commercial building, contents or stock held at a business premises

With Bima Hakika Commercial Property Insurance we have options to suit your business in any industry and any size.

A solution for every business from shopping stalls, cake shops, cafe’ & restaurants, clinics, hospitals to professionals and many others.

Whether you're looking for affordable  insurance rates, personalized coverage, or great service, Bima Hakika has you covered for it all!

See how much you could save! Let's get started by completing a short form to help us guide you in the right direction.

Based on your specific cover needs, our expert advisors will offer you a range of options to choose from.

It's fast, free and very easy!

For 10+ years, Bima Hakika has been providing affordable business insurance with outstanding customer service. Come see why your peers love us so much.

What does Commercial Property Insurance cover?

There’s no such thing as a one-size-fits-all insurance solution for businesses small or large, that’s why we offer customisable packages that cover the biggest concerns for all business owners,  and make recommendations based on each type of  business.


Types of Commercial Property Insurance covers.

Fire & Special Perils Cover.

An insurance cover that provides compensation against loss to the property, contents or stock caused by fire, lightning and limited explosion.​ When special perils are covered, the cover extends to insure against storm, tempest, flood​, bursting or overflowing of water tanks, apparatus or pipes, impact by road vehicles or animals, subterranean fire​,earthquake, explosion, strikes, riots and malicious damage.

Theft or Burglary Insurance.

L​oss or damage to the property as a result of theft on an attempt theft involving forcible entry or exit by violent means.​ The cover can extend to cover the risk of hold-up where theft is accompanied by assault or violence to the insured or their employees.

All Risks.

Designed to covers loss or damage to delicate or valuable items of personal nature or movable office equipment items such as cameras, TVs, calculators, microscopes, typewriters, medical equipment, telephone heads, computers etc.​ This is the widest form of cover available for property. It covers accidental loss, damage or destruction from any cause, including fire, which is not specifically excluded standard cover.

Machinery Breakdown.

This provides cover against unforeseen and sudden physical loss or damage to the insured machinery resulting from such risks as physical explosion, short circuit and other electrical causes​, windstorm, frost, malicious acts​, negligence, human error, lack of skill​, defective material, bad workmanship​ or faulty design​.

Money Insurance

​Cover is against All Risks and includes money; In transit being carried by the insured or his authorized representative​, in the insured's premises during business hours and outside working hours in locked safe or strongroom, in the residence of any principal of the insured, in the custody of collectors or salesmen or any other authorized employee​.

Fidelity Guarantee

Protects a business against employee theft and dishonesty. To cover a company for the loss of funds due to fraudulent misappropriation of company’s money, including embezzlement and employee theft.

Machinery Loss of Profits.

This covers for “loss of profits” following​ interruption/interference with business due to unforeseen and sudden ​damage occurring to the plant and machinery specified in the Machinery ​Breakdown policy.​ The insurance is limited to loss of Gross Profit due to: -Reduction in Turnover​ or Increased cost of working​.

Business Interruption Insurance

This policy provides an important “Get Back to Business Fix”; by cushioning a business in the event an insured risk interrupts the business activities and revenue.

Any many more….

From here, you can determine the types of cover that suit your business.

​Customers who compared and took out insurance with Bima Hakika have made huge savings. Compare all your preferred insurers with us and we will show you there may be potential savings if you choose to buy the policy with us.

Already Covered? Good, here is something you should know.

If you have been with your existing insurer for a long time, it might be a suitable time to review your insurance policy coverage. Insurance needs change with time, so make sure you are covered accordingly. 

Find out by comparing different providers with us, you could get better premiums and even better coverage. You never know! Until you try.

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