Our Employee Benefits Division deals with employee welfare. We offer the following products and services:
1. NON-GOVERNMENTAL ORGANISATIONS- FOREX COVER
The Statutory Instrument 142 of 2019 dictates that all local transactions including insurance should be done in local ZWL currency, however special dispensation is given to NGOs, Foreign Missions and Embassies. At Capitol Insurance Brokers we are glad that we have a comprehensive Insurance package for you in USD for any policy that you might think of including;
ASSETS ALL RISKS– Buildings, Stocks, Office Furniture & Equipment.
ELECTRONIC EQUIPMENT– Laptops, Desktops, Ipads, Note Books and other Ancillary Equipment .
PERSONAL ACCIDENT FOR EMPLOYEES – Death, Medical Expenses, Permanent Disability And Temporary Disablement.
PROFESSIONAL INDEMNITY -Professional negligence and Legal fees.
MOTOR INSURANCE– Comprehensive Cover, Full Third Party Fire and Theft and Third Party Liability.
OTHER ADDITIONAL BENEFITS INCLUDES– Free roadside assistance. Free valuation for assets and motor vehicles.
We also offer ZINARA Licencing, in local currency of course.
PRAZ SHORT TERM INSURANCE
If your organisation is listed on the Procurement Regulatory Authority Suppliers listing, we are glad to offer upto 20% Discount on your renewal quotation for all insurances including:….
ASSETS ALL RISKS– Buildings, Stocks, Office Furniture & Equipment.
ELECTRONIC EQUIPMENT– Laptops, Desktops, Ipads, Note Books and other Ancillary Equipment .
PERSONAL ACCIDENT FOR EMPLOYEES – Death, Medical Expenses, Permanent Disability And Temporary Disablement.
PROFESSIONAL INDEMNITY -Professional negligence and Legal fees.
AGRICULTURE INSURANCE – Poultry Insurance, Tobacco Insurance, Crops Insurance.
MOTOR INSURANCE– Comprehensive Cover, Full Third Party Fire and Theft and Third Party Liability.
OTHER ADDITIONAL BENEFITS INCLUDES– Free roadside assistance. Free valuation for assets and motor vehicles.
We also offer ZINARA Licencing for your convenience.
PRAZ – BONDS AND GUARANTEES
Zimbabwe offers abundant opportunities in infrastructure rehabilitation / development. These projects attract foreign investments with contract execution opportunities being offered to local contractors, working in partnership with foreign contractors. This inevitably results in the application of international contract conditions and the requirements for local subcontractors to secure bonds/ guarantees/ insurances from internationally rated insurance players. We offer, through the Allied Africa Broker Network, insurance solutions which meet this set criterion. We offer among others following solutions:
- Bank Guaranteed Performance Bonds, Advance Guarantees, Bid Bonds.
- Insurance Guaranteed Performance Bonds, Advance Guarantees, & Bid Bonds.
- Contractors All Risks, Plant All Risks, Contractors Personal Accident & Erection all risks covers and related Liabilities cover
STAFF SCHEMES FOR CORPORATES
We have tailored group staff schemes for your corporate clients. Enjoy competitive, discounted rates for a grouping of 10 or more employees on the following policies:
- Motor
- House-Owners/House-Holders
- Personal All Risks
TRUCKERS INSURANCE
The transport business is inherently a risky business and any prudent entrepreneur would do well to take holistic approach to insurance. Below are policies worth considering for your Transporting business.
- Comprehensive Insurance Horses and Trailers
Comprehensive motor insurance, cover your vehicle against any accident, theft or fire. A comprehensive policy gives you that added level of protection and peace of mind that you won’t necessarily have to go deep into your pocket to pay for a mishap.
- Carriers’ liability
The Carriers’ liability cover is there to cater for the claims against the operator for negligence, and loss or damage to the goods carried. The policy also covers the carrier’s approved sub-contractors acting on the carrier’s behalf
- Goods in Transit policy
Goods in Transit Insurance covers the transporter in the event of a loss arising from theft, fire, collision or overturning of the carrying vehicle.
- Environmental Liability
Environmental liability insurance covers any clean-up requirements as stipulated by the state or government, bodily injury to third parties, property damage to third party property, and third-party claims. It also provides cover for any legal expenses related to pollution or contamination events.
Options for coverage in foreign currency is available for these policies.
MIDLANDS SCHOOLS INSURANCE SCHEME
Capitol Insurance Brokers is providing SCHOOLS with neatly packaged comprehensive Insurance whereby we are giving you as much as 10% DISCOUNT OFF your Renewal Premiums or New Business quotation.
ASSETS ALL RISKS FOR THE SCHOOL ASSETS
- Buildings, Stocks, Office furniture & Equipment
ELECTRONIC EQUIPMENT FOR THE SCHOOL
- Laptops, Desktops, Ipads, Note Books and other ancillary Equipment.
GROUP SCHOLARS ACCIDENT COVER
- Death, Medical Expenses, Permanent Disablement and Temporary Disablement
MOTOR INSURANCE FOR SCHOOL
- Comprehensive Cover, Full Third Party Fire and Theft and Third Party Liability
2. Group Life Assurance
This is a life assurance plan, sponsored by the employer, provided for employees of an organization. Benefits are in the form of a lump sum payable to nominated beneficiaries upon the death of the employee.
We offer the following services:
1. Administration of Group policies by first sourcing a best advantage policy in terms of benefits and pricing for clients. Processing of premium payments and documents for all claims arising before submission to Insurers for payment.
2. Ensuring that claims are paid expeditiously.
3. Counseling services to the bereaved dependants.
4. Benefit design and review.
3. Group Funeral Schemes.
This is a benefit that is provided by the employer by paying premiums to a Funeral Assurance Company. Some funeral policies provide for a lump sum payment to cover funeral expenses, while others provide funeral services. At Capitol, our service involves the administration of these policies by assisting with advice on best options for clients, that is, whether to choose a benefit or a services alternative. We also assist by liaising with service providers for speedy services.