1
Accidental Damage
Covers physical breakage, liquid spills, screens cracks, and sudden accidental damage to specified portable items.
Solutions > All Risks
Cover for Your Portable Business Assets, Anywhere
Office equipment and business assets don't stay in one place. The APA Business All Risks insurance policy covers accidental loss or damage to valuable portable items wherever they go — and is not restricted to any particular premises. It pr
Commercial Asset Protection
Accidental loss or damage cover applying wherever valuable portable assets go
Broad All-Risks Coverage
Extends far beyond standard premises-based policies to protect assets on the move
What is Business All Risks Insurance?
Office equipment and business assets don't stay in one place. The APA Business All Risks insurance policy covers accidental loss or damage to valuable portable items wherever they go — and is not restricted to any particular premises. It provides broad protection against accidental damage or loss arising from accidents or unforeseen incidents, including losses arising from fire, burglary, theft, flood, earthquake, riot, and strikes, on valuable portable items such as laptops, cameras, and mobile phones, making it ideal for modern, mobile business operations.
Highlights
- Accidental loss or damage coverage for specified business assets.
- Protects valuables from fire, burglary, flood, earthquake, and riots.
- Provides worldwide transit protection for international travel.
- Requires itemised schedule listings and value specifications.
- Underwritten by APA Insurance (Uganda) Ltd and regulated by the IRA.
What is Covered and Not Covered Under All Risks?
Toggle between the categories below to understand the comprehensive scope of our cover details.
2
Burglary & Violent Theft
Protects listed items against loss due to break-ins, forced entry, muggings, or armed robberies.
3
Fire & Allied Perils
Covers damage or loss of specified items due to fire, explosions, lightning, or localized combustions.
4
Water & Flood Damage
Protection against accidental damage from flooding, burst internal plumbing, or heavy storm waters.
5
Riot & Civil Commotion
Covers loss or damage to specified items resulting from strikes, lock-outs, labor disturbances, or civil unrest.
6
Worldwide Transit
Extends coverage to protect valuable items while traveling or in transit outside national borders.
7
Earthquake & Volcanic Eruption
Protects specified portable belongings from loss or damage caused by earthquakes or tremors.
8
Third-Party Malicious Damage
Covers intentional destruction or damage caused to your portable items by malicious individuals.
Eligibility & Documentation
Eligibility Criteria
Specifications
Principal & Property
Businesses, shops, offices, and property owners in Uganda owning portable assets.
Requirements
Completed proposal form, serial numbers/makes/models, and value proofs.
Premium Base
Calculated based on declared values and nature/degree of risk profile.
Deductible Excess
All claims are subject to standard policy excess deductions before settlement.
How to Buy Business All Risks Cover?
1
Submit your commercial details and cover basis selection via the quote form.
2
Provide your inventory values, stock declarations, and security setup details.
3
Review the premium quotation calculated on your declared assets and risk level.
4
Confirm proposal details, complete premium payment, and secure your business assets.
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
Accidental loss or damage to specified valuable portable items, including from fire, burglary, theft, flood, earthquake, riot, and strikes.
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
Your Health, Our Priority
+
Motor Insurance
Your Family Awaits, Drive Safely
+
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
