Business Insurance Policies
Lumen provides comprehensive insurance solutions designed to give businesses across Cyprus clear, reliable protection. We understand that every organisation is different, which is why our policies are tailored to meet your specific needs while remaining straightforward and easy to understand. Whether you are a start-up, a growing enterprise or an established company, our goal is to help safeguard what matters most, so you can focus on running and expanding your operations with confidence.
At Lumen, we combine trusted expertise with personalised service to ensure every client receives the right level of cover. Our experienced team takes the time to understand your organisation, identify potential risks and recommend solutions that suit your industry, operations and budget. From protecting your premises, equipment and stock to covering liability, employees and business interruption, we provide flexible protection designed to support you through both everyday challenges and unexpected events.
We believe that insurance should be more than just a policy—it should be a partnership built on trust, reliability and exceptional customer service. Whether you operate a retail outlet, office, hospitality business, manufacturing company or professional practice, Lumen is committed to protecting your people, assets and future.
With tailored commercial insurance solutions, expert guidance and responsive support, Lumen is here to help your organisation stay protected today while preparing confidently for tomorrow.
Business Insurance Cover Types and Benefits
Discover the wide range of business insurance cover options we provide, each designed to meet the unique needs and challenges of your business.
Here are the different types of business insurance covers we offer:
Insurance for Business Assets
Protection against loss and/or damage to physical assets such as buildings, furniture, machinery, equipment, stocks, and general contents. Cover is available on an All-Risk basis and will include cover for several perils including fire, malicious acts, storm, flood, earthquake, theft and the like.
Loss of Income Insurance
Interruption of the business following a loss may result in lost production and sales, unhappy customers, pressure on resources, additional costs, and above all, stress.
Business income and being able to cover operating costs are essential to financial survival. This insurance cover will ensure that you are reimbursed to cover the shortfall in income needed to meet costs and still reach anticipated profits during the interrupted period following an insurable loss. It will also cover the extra expenses of preventing or minimising a greater loss of profit.
Liability Insurance
You or your company may be legally liable for third-party incidents at your business premises. Our policy provides cover for your legal liability towards third parties resulting in bodily injury and/or property damage. Similarly, cover can be arranged for legal liability towards your employees arising for any work-related injuries or deaths occurring on your premises.
Employee Protection Insurance
Employees are the most valuable asset of any business. To safeguard their well-being and provide peace of mind, we offer comprehensive Personal Accident Insurance. This coverage ensures that employees are compensated in the unfortunate event of accidental injury or death. This cover is available under our Personal Accident Insurance section
Marine Cargo Insurance
We offer tailor-made Marine Cargo Insurance policies to cover your company’s imports and exports anywhere in the world.
Other Business Insurance Covers
We offer other covers to protect your business. These include the following:
- Glass: Protects against accidental loss or damage to internal/external glass and signage.
- Goods in Transit: Offers coverage for the insured property against accidental loss or damage while in transit across the Maltese Islands.
- Machinery Breakdown: This policy safeguards the insured machinery on your premises against unforeseen and sudden physical loss or damage requiring repair or replacement. Coverage can also be extended to include loss of profits following a Machinery Breakdown claim.
- Deterioration of Stocks: This policy protects against the deterioration of your insured stocks caused by a change in temperature or contamination by refrigerant fumes.
- Money: This policy covers the loss of money in various situations, including transit, in the custody of your collectors, at your premises (both during and outside business hours), in your safe, and at the private residences of you or your employees.
- Professional Indemnity: This policy covers your legal liability towards third parties arising from professional negligence. We offer professional Indemnity cover for various professions.