As a professional in business insurance, ICE Insurance understands the technical requirements of businesses. Our commercial covers cater for medium to large businesses, providing the appropriate type of cover for your business.

Agricultural & Crop

A severe storm or fire can have a disastrous effect on your valuable crops throughout the growing season. Safeguard your crops with our range of crop insurance services that cover multi-peril crop insurance.

Assets All Risks

A type of insurance coverage that covers all risks except specific items that are outlined as exclusions in the contract. Any risk that is not excluded is automatically covered. For example, if an all-risks homeowner's policy does not expressly exclude flood coverage, then the house will be covered in the event of flood damage.


Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to aviation insurance.

Bankers Blanket Bond (BBB)

An Insurance Policy designed specially for Banker's and Finance Companies. The Policy covers losses to the dishonesty of employees as well as losses caused by people other than employees due to burglary, robbery, larceny, theft, forgery and etc.

CAR (Contractors All Risk) and Engineering

There are two types of construction risks insurance. The first covers damage to property, for example, damage to buildings and other structures being constructed or to the existing building in which the construction is being carried out. The second covers liability for third party claims for injury and death or damage to third party property. Policies underwritten by ICE policies cover both.

Commercial Insurance

Commercial Combined Insurance is a term used to apply to more than one type of commercial insurance that are written together and given a discounted rate. There are many different types of commercial insurance that are put together in order to properly cover a business. Some of the types of policies are Commercial Property, Commercial Premises Liability, Commercial Auto, Directors and Officers Liability, Boiler and Machinery, Workers Compensation, Professional Liability, Inland Marine, Commercial Contents Coverage, and many more plus endorsements that can add or modify the coverage on these individual policies.

Liability / Casualty

• Public liability

• Products liability

• Product recall

• Bankers blanket bond (BBB) and commercial crime

• Directors and officers (D&O) liability

• Errors and omissions (E&O) and Professional Indemnity (PI)


Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination. Cargo insurance is a sub-branch of marine insurance, though Marine also includes Onshore and Offshore exposed property, (container terminals, ports, oil platforms, pipelines), Hull, Marine Casualty, and Marine Liability. When goods are transported by mail or courier, shipping insurance is used instead.


The resources and mining industry experienced an explosion in activity from 2008 driven by demand from China and other emerging nations. The challenges for the insurance industry range from how to properly value multimillion-dollar machinery, to the liability presented by contractual agreements. ICE’s expertise has kept pace by consistently reviewing the market and adapting insurance products to meet the requirements of this changing market across Africa.

NGO, Demining and Humanitarian Missions

ICE Insurance offers Non-Governmental Organizations or NGOs local and international group insurance plans. We can offer group and individual insurance plans for aid workers coming to Mozambique and including Mozambique high risk zones. Such plans can even cover passive terrorism and war risk. Unfortunately, there has been an increase in targeted violence against development and aid workers. That is why the international insurance plans that we can source offer NGOs the peace of mind that if the worst happens, ICE will be there to pick up the pieces.

Oil & Gas

Oil and gas insurance is a specialist area of cover because of the potentially hazardous nature of the work and the remote regions involved – both onshore and offshore. Production can often be situated in war, terrorist and areas of civil unrest and executives can be vulnerable to kidnap and ransom demands. From multi-national energy companies requiring employee benefit packages for thousands of employees across the world, to drilling contractors working offshore we can help.

Political Risk, Terrorism, Kidnap and Ransom

• Consequential financial loss

• Political violence

• Confiscation of property

• Inconvertibility of currency

• Non-repossession of aircraft

• Trading risks

• Kidnap and ransom

Surety Bonds

A surety bond is typically used by the construction industry and is defined as a contract between three parties:

• the principle - the party who is the recipient of an obligation

• the contractor - the primary party who will perform the contractual obligation

• the insurer who assures the obligee that the principal can perform the task

Our Training solutions

Our aim is to create value for our clients with tailor-made training solutions based on a detailed situational needs analysis.

Our Global Programs

Our multinational and global insurance programs cover a broad spectrum of risks ranging from liability, property, business interruption, marine cargo to engineering.