Multimark Business - this provides cover for business in the SME to large scale category. The policy consist of the following sections Fire, Business Interruption, Buildings Combined, Office Comprehensive, Theft, Money, GIT, Glass, All Risks, Fidelity Guarantee, Electronic Equipment, All Risks, Liability, Claims Preparation Costs.

Assets All Risks - Fire, Business Interruption, Theft, Money, Glass, GIT, Accidental Damage, Any Other Loss

Machinery Breakdown - Provide covers for accidental and unforeseen damage to machinery (industrial clients) and subsequent & Business Interruption loss of profits

Contractors Policy - Provides covers to construction firms against unforeseen damage to the project under construction including damage to the contractor's equipment and any potential third party liability claims

Bonds & Guarantees Security - covers for contract bonds (bid, advance payments, performance and maintenance) bonds including customs bonds amongst others.

Marine - Provides covers for goods being transported by air or sea from one destination to another. The marine class of business also provides for cover against damage to the vessel.

Professional Indemnity - Provide covers against professionals for liabilities arising as a result of errors, omissions and negligence.

Umbrella Liability - Broad based liability cover that will act as back up cover if the primary layer liability limits under a corporate client's portfolio are exposed beyond their limits.

Farm Comprehensive - This is a broad based comprehensive package that include covers for crops, livestock, poultry, horticulture, buildings , agricultural inputs, chemical, implements and related items.

Public Liability - Provides covers against potential third party liability claim arising as a result of negligence on the part of the insured during their business operations. The policy can be extended to cover products liability and defective workmanship.

Group P/Accident - Provides cover against accidental bodily injury and/or death to insured's employees as a result of violent, physical, visible and external means.

Fidelity Guarantee - Provides cover for loss of money or stock as a result of fraudulent activities by the insured's employees.

Enterprise Wide Risk Management (EWRM) - A comprehensive package that helps organization identify, measures and manage their risk on a holistic basis. This includes insurable and non insurable risks.

Motor Fleet - This product is for companies with various types of vehicles of fleets of more than 20 vehicles that include private vehicles, trucks, trailers, motorcycles and buses on comprehensive, third party, fire & theft and third party only. Motor dealers and panel beaters are catered for under our motor traders scheme that has an own damage and liability section cover.

Electronic - Covers organisation’s data processing equipment that includes computer s, servers, faxes, hubs, rooters, copiers, scanners, printers and many more related machines against fire, power surge damage, theft and transit. Cost of re-instating lost data and any other increased costs of working are also covered under this policy.

Employers Liabiltiy - The policy covers the organisation from possible litigation raised by its employees following accidental injuries at workplace. The policy has a residual liability extension to cover for fines and penalties that the employer may be made to pay by the regulatory authorities should they be found to have been negligent.

Livestock Comprehensive - This is a specific product for those into livestock farming who may wish to cover loss or accidental injuries to their livestock against fire, lightning, electrocution, pitfall, malicious damage and non political riot. The policy has a provision to also cover against specific diseases such as black leg, gall sickness, red water and impotency.

Specialised Covers - These range from Loan Protection Schemes for financial Institutions and micro finance houses to Umbrella Liability, Directors & Officers Liability, Professional Indemnity, Aviation Insurance, Product Liability, Political Riot War Terrorism and Sabotage risks and Medical Gap Covers.

Medical Aid Gap Cover - This is another innovation which Lidwala Insurance offers employers in collaboration with Healthcare Insurance Brokers Swaziland (Pty) Ltd which has been specialising in the Medical Aid field in Swaziland since 1994. Medical Aid Top Up cover provides true Gap cover paying for the difference between what Specialist Surgeons and Anaesthetists charge up to a maximum of 4 times and what Medical Funds pay. Don’t rely on your Fund’s ex Gratia Medical Aid benefits to cover this shortfall.