Our specialized team at Walton has the experience, expertise, resources and insight to evaluate your specific needs and design a customized solution

Commercial Lines

We are committed to offering the best markets available and a professional staff dedicated to providing personalized service to your account

a)    All Risks Insurance
The cover provides indemnity against Loss/damage to specified items as a result of any cause within the geographical area specified in the policy. This includes theft, fire, riot and strike, breakage and any other cause not excluded under the policy.

b)    Bankers Blanket Bond
Provides indemnity against fidelity guarantee risks, property damage resulting from theft, burglary, robbery or hold-up, furniture, fixtures, equipment (other than computers) and other contents caused by burglary, robbery, hold-up, theft, larceny or attempt thereat. The cover also extends to cover counterfeit currency, loss of subscription rights, extortion (threat to both property and persons) and computer fraud.

c)    Burglary Insurance
Indemnity against loss of or damage to property insured resulting from theft involving actual forcible entry or exit.

d)    Consequential Loss Insurance
Indemnity against loss of revenue due to business interruption following any unforeseen physical loss of or damage to the plant and machinery insured under the Machinery Breakdown policy.

e)    Directors and Officers Liability
Compensation against amounts which the insured shall become legally liable to pay as compensation, including agreed defense costs and expenses resulting from any wrongful act by the insured in their capacities as directors, officers or employees of the Insured company.

f)    Electronic Equipment
Indemnity against any unforeseen physical loss of or damage other than by specifically excluded perils. Cover is meant for various Items of Computer Equipment and accessories

g)    Employers Liability Insurance
 The policy covers the employer against legal liability (under Common Law), for damages and claimant's costs and expenses of lawsuits filed by an employee. The policy also reimburses the insured the expenses they may incur in the course of defending any such lawsuit.

h)    Fidelity Guarantee Insurance
 Indemnity against direct pecuniary loss resulting from fraud or dishonesty of employees in the course of employment

i)    Fire and Special Perils
Loss of or Damage to property resulting from Fire, Lightning, Explosion, Earthquake Fire & Shock and Volcanic Eruption, Bush Fire, Riot, Strike, Malicious Damage, Special Perils (A to H) and Spontaneous Combustion.

j)    Goods in Transit Insurance
All risks of loss of or damage to goods in transit anywhere within the country.

k)    Machinery Breakdown Insurance
Indemnity against any unforeseen physical loss of or damage to the specified plant or machinery as a result of any cause not excluded by the policy. Cover includes loss or damage resulting from mechanical or electrical breakdown.

l)    Marine Cargo Insurance
Provides indemnity against loss or damage to goods in transit by sea or air and incidental land transportation.  Either single voyage policies or annual policies are offered.

m)    Money Insurance
Indemnity against loss of money and damage to safe or strong room in the course of theft of money

n)    Group Personal Accident Insurance
Compensation for death or disability, and medical expenses incurred in connection therewith, occurring at any time (24 hour cover) caused by accidental, violent, external and visible means.

o)    Plate Glass Insurance
Indemnity against the cost of replacing glass following accidental breakage including Cabinets, Glass Signs & Display Signs, Lettering & Sign-writing and Cost of Temporary Boarding-up

p)    Professional Indemnity
Indemnity against legal liability to third parties arising out of breach of professional duty by reason of any negligent act, error or omission of the insured.

q)    Property Terrorism and Sabotage
Indemnity against physical loss of or physical damage to the property insured or for which the Insured is legally responsible, directly caused by act of Terrorism, Sabotage, Riots, Strokes and/ or Civil Commotion, Malicious Damage, Insurrection, Revolution or Rebellion, Mutiny and/ or Coup d’état.

r)    Public Liability
Indemnity against legal liability to third parties for accidental death, bodily injury and / or illness and / or loss of or damage to property incurred in the course of the Insured’s business.

s)    Work Injury Benefits Act (WIBA)
The Act makes it mandatory for every employer to provide cover for all their employees against bodily injury disease or death sustained and arising out of and in the course of their employment. The cover is occupational only and covers you against death, bodily injury or illness arising in the course of employment

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