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Fire
Accidental loss of or damage to your assets caused by fire and allied perils.
Solutions > All risk
One Policy to Protect All Your Business Assets
Asset All Risks is a versatile product designed for all businesses to cover accidental loss or damage – except where excluded – in line with the policy terms and conditions. It protects your assets: buildings, stock-in-trade, furniture/fixt
All-in-One Asset Cover
Fire, theft, machinery and more in one product
Business Interruption Cover
Protects your profits after an insured loss
What is Asset All Risks?
Asset All Risks is a versatile product designed for all businesses to cover accidental loss or damage – except where excluded – in line with the policy terms and conditions. It protects your assets: buildings, stock-in-trade, furniture/fixtures/fittings and other contents, plant and machinery. It also covers business interruption, protecting your business as a going concern against perils such as fire, theft, machinery breakdown and accidental damage, subject to policy provisions.
Highlights
- Combines fire, theft, business interruption, machinery breakdown and more in one product.
- Protects buildings, stock, contents, plant and machinery against accidental loss or damage.
- Includes cover for business interruption and loss of profits.
- A versatile cover designed for all types of businesses as a going concern.
What is Covered and Not Covered Under All risk?
Toggle between the categories below to understand the comprehensive scope of our cover details.
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Theft
Loss of or damage to your business property caused by theft.
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Business Interruption
Loss of profits following an insured event – for both fire and machinery breakdown.
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Machinery Breakdown
Sudden and unforeseen breakdown of your plant and machinery.
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Electronic Equipment
Loss of or damage to your electronic equipment.
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Accidental Damage to Assets
Accidental loss or damage to buildings, stock, contents, plant and machinery, except where excluded.
Eligibility & Documentation
Eligibility Criteria
Specifications
Who Qualifies
Businesses and property owners – factories, supermarkets, offices, hardwares, warehouses and shops.
Documents
Completed proposal form with sums insured for each asset class.
Assets Covered
Buildings, stock-in-trade, furniture/fixtures/fittings, contents, plant and machinery.
Underwriting
Rating depends on the nature and complexity of your business and internal controls.
How to Buy APA Asset All Risks?
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Complete the Asset All Risks proposal form with sums insured for each asset.
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Submit details of your buildings, stock, contents, plant and machinery.
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Buy through an APA branch or intermediary (call 0709 912 777 or email info@apainsurance.org).
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Receive your combined policy protecting your business as a going concern.
Everything You Need, All in One Place
Access policy documents, claim forms, renewals, and important resources anytime.
Real Stories from Customers Who Trust Our Coverage
Learn why professionals trust our solutions to complete better customer journeys.
“Support became faster, clearer, and more consistent across every customer touchpoint. It changed how we interact with our clients.”
Nia Afolayan
Customer Expert
Chioma Nwosu
Customer Success
“The onboarding was smooth from day one, and our team saw measurable results quickly. It gave us a much faster customer journey.”
Jordan Mensah
Growth Manager
Daniel Okoro
Founder
“It helped us create a better customer journey without adding complexity for the team, keeping all departments aligned.”
Robert Hayes
Regional Partner
Frequently Asked Questions
It combines cover for fire, theft, business interruption, machinery breakdown, electronic equipment and accidental damage to your assets – protecting your business as a going concern, subject to policy terms and conditions.
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
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Health Insurance
Your Health, Our Priority
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Motor Insurance
Your Family Awaits, Drive Safely
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Life Insurance
Enjoy every moment you live
“The easiest way to manage my cover.”
— Sarah K., Nairobi
APA, Insuring Happiness
Manage Your Insurance on the Go
Experience the future of insurance management. Our mobile app provides a seamless digital curator experience for your policies, claims, and peace of mind.
APA, Insuring Happiness
What would you like to protect?
+
Health Insurance
+
Motor Insurance
+
Life Insurance
“The easiest way to manage my cover.”
— Sarah K., Nairobi
