Business Insurance

Say bye to business interruptions

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Paid in Claims

Why our Business Insurance?

For any business

Covers businesses of all sizes and across most industry types.

Range

Covers ranges from fire to business interruption, accidental damage to motors

we are Paperless

We will fill-out all forms and send them for e-signatiure. Skip the printing & scanning.

In a nutshell

Business Insurance safeguards your business against various risks, including property damage, employee injuries, business interruptions leading to lost revenue, and other unforeseen vulnerabilities beyond your control.

Customer reviews

I've recommended Cosmic to all my friends and family because of the exceptional service I received. If you want a hassle-free insurance experience with a personal touch, look no further.

Vlad Winkler Entrepreneur

Choosing Cosmic was one of the best decisions I've made for my insurance needs. Their expertise and attention to detail gave me peace of mind knowing that I have the right coverage in place.

George Nekwaya Tech CEO

My experience with Cosmic was exceptional. Their friendly staff guided me through the entire process and made sure I had all the information I needed to make an informed decision.

Grace Chisenga Teacher

I appreciate their efficient process of electronically filling out forms for me and seamlessly obtaining my signature online within minutes. It saved me the hassle of handling paperwork.

Samuel Kalangula Sales Executive

In this forever busy & demanding world, my experience with Cosmic has been one of efficiency, very well tailored and personalized to make my life easier. I highly recommend their Service.

Dr Elina Barnabas-Shilongo Medical Doctor
Key Feautures

Fire

Insurance that covers damage to property caused by fire, lightning, or explosion

Add-on

Buildings Combined

protects buildings and their contents against various risks, including fire, storm, and vandalism

Add-on

Office Contents

Insurance for the contents within an office, including furniture, equipment, and supplies, against risks

Add-on

Business Interruption

Covers loss of income and additional expenses incurred due to a disruption in operations

Add-on

Accounts Receivable

Covers against the inability to collect debt because of loss/ damage of accounts receivable records

Add-on

Theft

Covers loss or damage to property due to burglary, robbery, or other forms of theft.

Add-on

Money

Covers loss of money, whether on the premises, in transit, or at the homes of employees or directors

Add-on

Glass

Covers accidental damage of glass windows, doors, and other fixed glass on business premises

Add-on

Fidelity

Covers against loss of money or property due to dishonest acts by employees; theft or fraud

Add-on

Goods in Transit

Covers goods being transported against risks like damage, theft, or loss during transit

Add-on

Accidental Damage

Coverage for unintentional damage to business property not caused by excluded perils

Add-on

Business All Risk

Comprehensive insurance for movable property against all risks, except those specifically excluded

Add-on

Public Liability

Covers legal liability for injury or damage to third parties or their property due to operations

Add-on

Motor

Insurance for company vehicles against risks like accidents, theft, and third-party liability

Add-on

Group Personal Accident

for employees against accidents, providing compensation for injury, disability, or death

Add-on

Stated Benefits

Provides specified benefits for specific events, like deat/ injury, often used for employees or key persons

Add-on

Electronic Equipment

Insurance for loss or damage to electronic devices and systems used in business operations

Add-on

Employers Liability

Covers legal liability for injuries, illnesses, or deaths of workers due to work conditions/ activities

Add-on

Machinery Breakdown

Insurance that covers the cost of repairing or replacing machinery that breaks down unexpectedly

Add-on

Loss of Profit

Covers loss of income resulting from the breakdown of essential machinery

Add-on

Ts&Cs Apply

FAQ

Click Here to submit your details and have us call you ASAP. You may also call us on 061400000.

You can cancel your policy any time. However, if you have assets still being paid off, the banks typically require them to be insured.

Under-insurance means your insurance isn't enough to cover the full cost of replacing your insured assets.

Insurance add-ons are optional extras that you can include in your standard insurance policy to enhance coverage.
 

NB* Add-ons usually come at an extra cost

An excess (also known as a deductible or first amount payable) is essentially an underwriting fee charged to minimise the number of small administratively expensive claims, or to reduce a loss ratio, and to impose a duty of care on the insured client. 

An insurance brokerage acts as an intermediary between clients and insurance companies. Their main functions include:
  • Advising Clients: Helping individuals and businesses understand their insurance needs and recommending appropriate policies.
  • Sourcing Policies: Comparing offerings from various insurance companies to find the best coverage and rates for their clients.
  • Negotiating Terms: Working with insurers to secure favorable terms and conditions for their clients.
  • Claims Assistance: Assisting clients with filing and managing claims to ensure they receive their entitled benefits.
  • Ongoing Support: Providing continuous advice and support, including policy reviews and updates as clients' needs change.

In essence, insurance brokerages help clients navigate the complexities of insurance to ensure they are properly covered.

Yes, Cosmic has valid licenses to carry out insurance broker services in Namibia. We are regulated  by NAMFISA and we are obligated to abide by the long-term and short-term insurance act.

Premium Service

Namibian Owned

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