HEXA Corretora de Seguros
Business Multirisk Insurance · Angola

Business Multirisk Insurance in Angola — integral protection of assets and operations

The policy that covers, in a single contract, all major physical and operational company risks: fire, theft, water damage, natural perils, civil liability and business interruption. HEXA sizes and negotiates on your behalf.

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For what type of companies

Recognise yourself in any of these scenarios? This insurance was designed for you.

Companies with own or rented offices — any size

Industrial units, workshops and logistics warehouses

Shops, restaurants, hospitality and commercial establishments

Service companies with valuable IT equipment and furniture

What it covers

Included covers

A well-structured policy covers, in a single package:

Fire, lightning, explosion and smoke

Water damage — bursts, infiltration, liquid spillage

Theft and burglary, including with violence

Natural perils (storms, flooding, cyclones)

Electrical risks — surges, short-circuits, burnout

Operations Civil Liability — damage to third parties

Business Interruption — lost profits during shutdown

24/7 technical assistance (electricity, plumbing, locks)

Process

How it works with HEXA

1

Site visit — asset inventory and risk assessment

2

Sizing — correct calculation of insured capital and appropriate deductibles

3

Comparison — 4-5 proposals from the main Multirisk insurers

4

Ongoing management — issuance, renewal and claims support

The HEXA difference

Why HEXA

Mandatory site visit before proposal (avoids under-insuring)

Analysis of Business Interruption cover — the blind spot that destroys companies

Real comparison between 4+ insurers — we have no quotas with any

Technical support in inspections and claims negotiation

Frequently asked questions

Business Multirisk Insurance in Angola — your questions

What is Business Multirisk insurance?
It is a policy that covers in a single contract the main risks to which a company is exposed: fire, water damage, theft, natural perils, operations civil liability and, critically, business interruption — replacing the need for several separate policies.
What is Business Interruption cover and why is it fundamental?
It compensates lost profits during the time the company is shut down due to a covered loss (fire, flood, etc.). Covers salaries, rents and fixed costs while there is no revenue. Without this cover, most SMEs do not recover financially after a serious loss.
How to correctly size the insured capital?
The building capital should correspond to the rebuild value. Contents should reflect the new-for-old replacement value of furniture, equipment and stock. Under-insuring reduces the premium but results in proportionally reduced compensation in case of loss (proportional rule). HEXA conducts site visits to size correctly.
Does the policy cover stock and goods in warehouse?
Yes. The "Contents" capital includes goods and stock, with the option of additional covers for specific merchandise (perishable, in transit, in customs warehouse). It is one of the most critical sizing points for companies with relevant inventory.
Can I have one policy for several company premises?
Yes. Multi-location policies cover multiple premises (head office, branches, warehouses) under a single contract, with capital and covers sized per location. This approach simplifies management and generally reduces the overall premium.

Technical visit to the company

Asset inventory, sizing of the insured capital and presentation of four to five comparative proposals, within five working days.

Schedule technical visit Speak with an advisor

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