Our Comprehensive Insurance Solutions

Motor Fleet

Streamlined protection for fleets of 15 or more vehicles with Horizon International Insurance PCC Limited's Motor Fleet Insurance.

Our Motor Fleet Insurance offers comprehensive cover for businesses or individuals who own and operate 15 or more vehicles. It protects against physical loss or damage to vehicles and their accessories and includes legal liability to third parties and passengers.Designed for efficiency and control, this policy simplifies fleet management by consolidating all vehicles under one flexible insurance plan saving you time, reducing administration and ensuring full compliance. Whether you operate delivery vans, company cars or a mixed fleet, this policy keeps your entire operation covered.

Motor Traders

Specialised cover for businesses handling customer vehicles with Horizon International Insurance PCC Limited's Motor Traders Insurance.

Our Motor Traders Insurance is designed for businesses involved in the motor trade industry, such as dealerships, repair workshops, panel beaters and vehicle service centers. We provide cover for physical loss or damage to customers' vehicles whether on your premises, on the road or in your care as well as legal liability to third parties. Horizon International Insurance PCC Limited ensures your business is protected while handling, repairing, testing or moving client vehicles. Choose Horizon International Insurance PCC Limited for reliable protection for professionals entrusted with their customers' most valuable motor vehicles.

Assets All Risks

Protect your business property and your profits from unexpected loss or damage with Horizon International Insurance PCC Limited's Assets All Risks Insurance.

Our Assets All Risks cover provides comprehensive protection for your commercial assets, including buildings, equipment, stock and contents. It covers physical loss or damage caused by fire and allied perils helping you recover quickly and keep operations running.
In addition to core property protection, this policy can also include cover for business interruption, ensuring your income is protected if your operations are disrupted due to an insured loss. At Horizon International Insurance PCC Limited we understand that businesses have different needs thus other optional covers are also available to suit your business needs including theft of assets, money cover, cover for goods in transit, cover for glass, accidental damage cover to portable items and employees' personal effects. Whether you are a small business or a growing enterprise, this policy is built to safeguard the physical foundation of your operations and the future of your business.

Business Combined

All-in-one protection for your business assets, income and liability with Horizon International Insurance PCC Limited.

Our Business Combined Insurance offers a comprehensive solution for safeguarding your business. We cover physical loss or damage to your commercial property including buildings, equipment and contents caused by fire, explosion and other insured perils.
In addition to property protection, it includes optional cover for business interruption, helping you recover lost income and maintain operations after a disruption.
To suit the unique risks of your business you can further customize your cover with a wide range of optional benefits including theft of assets, money cover (on-site and in transit), goods in transit, glass breakage, accidental damage to portable items, public liability, products liability, employers' liability and personal accident cover. Whether you are a small enterprise or a growing company, Horizon International Insurance PCC Limited caters for you by bringing together essential protections in one cost-effective policy giving you complete peace of mind to focus on running your business.

Buildings Combined

Comprehensive protection for your commercial property and income with Horizon International Insurance PCC Limited's Buildings Combined Cover.

Our Buildings Combined product provides cover against physical loss or damage to commercial buildings caused by events such as fire, lightning, explosion and other allied perils. It is designed to safeguard the physical structure of your property and the income it generates.
In the event of damage that disrupts your operations, the policy can also include loss of profit or business interruption cover, helping you stay financially stable while you recover. Other optional covers include property owners' liability for third-party claims and glass cover for breakage or accidental damage. Get the peace of mind you deserve with Horizon International Insurance PCC Limited's Buildings Combined Insurance by protecting both the structure and the sustainability of your investment.

Electronic Equipment

Protect your electronic equipment from damage, loss or disruption with our Electronic Equipment Insurance.

We provide specialised cover for your valuable electronic devices including desktops, laptops, printers, servers and other office technology.
It protects against physical loss or damage caused by electrical faults, fire, theft, accidental damage and other insured risks. Whether you are running a small office or a large IT-driven operation, Horizon International Insurance PCC Limited offers tailored cover options that help minimise downtime and repair costs so your business can stay connected and productive.
Choose our Electronic Equipment Insurance to stay protected against unexpected disruptions and keep your business running smoothly with confidence.

Office Comprehensive

All-round protection for your office space, equipment, and liability at Horizon International Insurance PCC Limited.

Our Office Comprehensive Insurance provides broad protection for your office contents and equipment against loss or damage caused by fire, theft and other insured perils. It is designed for office environments giving you the confidence that your workspace is covered.
You can also enhance your policy with optional extensions to protect your business from financial and legal risks. Whether you are running a small firm or a growing professional practice, Horizon International Insurance PCC Limited ensures your office stays protected so your business stays productive.

Marine Cargo/Marine Open

Choose Horizon International Insurance PCC Limited for reliable protection for goods in international transit.

Our Marine Cargo / Marine Open Insurance provides cover for physical loss or damage to goods while being transported across borders whether by sea, air, road or rail. It ensures that your cargo is protected throughout its journey, from point of origin to the final destination, within the agreed geographical limits. Protect your cargo every step of the way and trade with confidence, knowing your goods are insured from departure to delivery with Horizon International Insurance PCC Limited's Marine Cargo/ Marine Open Insurance.

Carriers Liability

Protect your transport business from loss or damage claims at Horizon International Insurance PCC Limited.

Our Carriers Liability Insurance provides essential cover for transporters and logistics providers. It protects you against legal liability if your client's goods are lost, damaged or destroyed while in your care during transit. Horizon International Insurance PCC Limited ensures you are protected when your clients trust you with their cargo.

Plant All Risks

Robust protection for your plant and heavy equipment wherever it is working with Horizon International Insurance PCC Limited's Plant All Risks Insurance.

Our Plant All Risks Insurance covers physical loss or damage to plant and machinery used in construction, engineering and industrial operations.
The cover applies within the stated geographical territory, whether the equipment is on-site, in transit or temporarily off-site. Stay protected against costly setbacks and keep your operations moving with confidence.

Machinery Breakdown

Protect your equipment and your productivity with our Machinery Breakdown Insurance.

We provide cover for accidental mechanical breakdown of your essential machines and equipment.
Whether you are running a factory, workshop or processing plant, this policy helps minimise disruption and repair costs when equipment unexpectedly fails. You can also add cover for loss of profit and deterioration of stock resulting from machine breakdown, ensuring your operations and your bottom line are protected.
Stay ahead of breakdowns and keep your business running smoothly with confidence at Horizon International Insurance PCC Limited.

Contractors All Risks

Protect your construction projects from ground-breaking to completion with Horizon International Insurance PCC Limited's Contractors All Risks Policy.

Our Contractors All Risks Insurance is designed to safeguard construction sites and projects against unexpected loss or damage.
It provides comprehensive cover for property under construction, including buildings, materials and equipment as well as third-party liability for accidental injury or damage during the project. Whether you are a contractor, developer or project owner, this policy ensures that your work and your reputation are protected from costly setbacks. With Horizon International Insurance PCC Limited's flexible and essential contractors all risks cover your project keeps moving forward even when the unexpected happens.

Erection All Risks

Comprehensive protection for installation and assembly projects with Horizon International Insurance PCC Limited's Erection All Risks Insurance.

Our Erection All Risks Insurance provides cover for the installation and erection of property.
We protect against physical loss or damage to the project during the erection phase and includes liability cover for third-party injury or property damage arising from the work. Ensure your installation projects are fully protected from the first bolt to final commissioning.

Fidelity Guarantee

Protect your business against employee dishonesty and fraud with our Fidelity Guarantee Insurance.

We safeguard your business from financial loss caused by fraudulent or dishonest acts committed by employees.
Whether it's theft of money, property or other assets, this cover helps you recover losses and maintain confidence in your operations. Ideal for businesses of all sizes, our Fidelity Guarantee Insurance provides peace of mind and financial protection against internal risks. Secure your business assets and reduce risk with this essential protection at Horizon International Insurance PCC Limited.

Professional Indemnity

Protecting professionals from the risks of doing business with our Professional Indemnity Insurance.

We provide essential cover for professionals who may face legal liability arising from acts of professional negligence, errors or omissions committed in good faith during their work.
Whether you are a consultant, architect, accountant, engineer or other service provider, this policy helps safeguard your reputation and finances in the event of a claim. Choose Horizon International Insurance PCC Limited for peace of mind for professionals who deliver expertise and want protection when things do not go as planned.

Directors & Officers Liability

Protect your leadership and safeguard your company's future with Horizon International Insurance PCC Limited's Directors and Officers Liability cover.

Our Directors & Officers Liability Insurance provides essential protection for the personal assets of company directors and officers against claims arising from decisions made in the course of their duties.
This cover protects against legal liability, allegations of negligence, mismanagement or breach of duty helping your leadership team navigate risks with confidence.
From regulatory investigations to shareholder claims, Horizon International Insurance PCC Limited's Directors and Officers Liability Insurance ensures that your directors and officers are personally protected allowing them to lead decisively without fear of personal financial loss.

Environmental Liability

Protect your business from the financial impact of pollution and environmental damage with Horizon International Insurance PCC Limited's Environmental Liability Insurance.

Our Environmental Liability Insurance provides cover for your legal liability in the event of environmental pollution or contamination.
It includes the cost of clean-up, restoration and third-party claims arising from accidental spills, emissions or other environmental hazards. Minimize environmental risk and protect your reputation while demonstrating your commitment to responsible operations with our Environmental Liability Insurance.

Safari Liability

Essential protection for safari operators and wildlife tourism providers with our Safari Liability Insurance.

It is designed specifically for businesses involved in safari and wildlife tourism activities.
We provide cover for your legal liability to members of the public for accidental injury, death or property damage arising from your operations whether on game drives, guided tours, bush walks or at safari lodges. With this cover Horizon International Insurance PCC Limited helps you operate confidently and responsibly, knowing you are protected if the unexpected happens. Operate your safari business with peace of mind backed by insurance designed for your unique environment.

Umbrella Liability

Extra protection when your primary liability cover is not enough with our Umbrella Liability Insurance.

We provide additional or secondary liability coverage that extends beyond the limits of your existing primary liability policies such as public liability, employer's liability or motor liability.
We offer an extra layer of financial protection against large or unexpected claims that could exceed standard policy limits. Horizon International Insurance PCC Limited ensures you are not left exposed when the stakes are high. Strengthen your liability protection and prepare for the unexpected with confidence with our Umbrella Liability Insurance.

Aviation Insurance

Horizon International Insurance PCC Limited provides comprehensive protection for your aircraft, passengers and liability risks.

Our Aviation Insurance policy provides essential cover for aircraft owners and operators protecting both the aircraft (hull) and your legal liability to passengers, crew and third parties. Whether you are operating for business or private use, this policy ensures you are financially protected in the event of an accident, damage or injury arising from aircraft operations. Choose Horizon International Insurance PCC Limited to fly with confidence, knowing that your aviation risks are fully covered on the ground and in the air.

Bonds and Guarantees

Secure your contracts and strengthen your credibility with Horizon International Insurance PCC Limited's Bonds and Guarantees Cover.

Our Bonds and Guarantees solution provide financial assurance to third parties that you will meet your contractual obligations.
Whether you are working in construction, supply, or service delivery this cover acts as a guarantee of performance, helping you win contracts and build trust with clients. This product guarantees your commitment to fulfilling a project or contract terms and acts as surety in the event of non-performance or breach. With Horizon International Insurance PCC Limited's Bonds and Guarantes cover, you do not just bid for opportunities you back them with confidence.

Credit Insurance/Loan Protection

Safeguard your lending, protect your cash flow at Horizon International Insurance PCC Limited.

Our Credit Insurance / Loan Protection covers you against the financial risk of non-payment by borrowers.
If a debtor defaults on their loan repayments, this policy helps you recover the loss protecting your business from the impact of bad debt. Horizon International Insurance PCC Limited ensures greater financial stability and confidence in extending credit. Whether you are financing products or offering personal loans, Horizon International Insurance PCC Limited's Credit Insurance provides the peace of mind that your capital is protected even if your clients cannot pay.