Business insurance
Assets All Risk Insurance in Ghana
Broad all-risks cover for business assets and equipment.
In brief
Assets All Risk insurance provides broad, all-risks protection for business property and equipment against sudden and accidental loss or damage from any cause not specifically excluded — wider than named-perils fire cover.
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Assets All Risk is priced by an underwriter for your needs. Tell us about it and we’ll prepare a firm quote.
Request a quote →What’s covered
- Accidental loss or damage from any insured cause
- Fire, theft, impact and water damage
- Electronic and office equipment
- Cover at premises and, by extension, away
- Portable and high-value assets
- New replacement basis where agreed
What’s not covered
- Wear, tear and gradual deterioration
- Mechanical or electrical breakdown
- Inherent defect and faulty design
- Consequential loss
- Property more specifically insured elsewhere
Who it’s for — Businesses with valuable, portable or electronic assets — offices, clinics, studios, IT and professional firms — wanting wider protection than a named-perils policy.
How is all-risks different from fire cover?
A fire policy lists the specific perils it insures. An all-risks policy reverses the approach: it covers accidental loss or damage from any cause except those expressly excluded. That makes it a simpler, broader basis of cover for valuable or portable assets such as electronic equipment, where loss can happen in many ways.
What can I insure under assets all risk?
Office and electronic equipment, specialised tools, portable devices, signage, stock and general business property can all be scheduled. Cover typically applies at your premises and, by extension, while items are temporarily away or in transit — useful for equipment that moves between sites.
FAQs
Frequently asked questions
What does 'all risk' actually mean?
Does it cover equipment taken off-site?
Is breakdown included?
Need to make a claim?
We pay valid claims, fairly and quickly. See the four steps and the documents you’ll need.
With Provident, you’re covered
Get an indicative quote now, or talk to an agent at any of our 11 branches.