• Covers against loss or damages arising out of fire, lighting and domestic explosion
• Covers special perils such as Flood, Aircraft, Storm, Explosion, burst pipes earthquakes, riot, burglary
• Flexibility in Premium payments (Monthly, Quarterly, semi-annual or Annually)
• Access to a Personal Accident cover and Public Liability cover up to GHS 2000(optional)
• You can reinstate your sum insured after every claim at anytime within the year of cover
• You can update the policy anytime a valuable item(s) is/are added to the content
• You will have two months grace period for payment defaults. Policy terminates after 2 payment defaults

• Available to all SMEs/Shop Owners

For sign up

• A Valid National ID
• Schedule/List of items to be insured
• A completed policy application form
• Your consent to go on cover now

 For Claim

• A completed claim form.
• Pictures of Damages

• No limit on number of transactions

• No monthly service charge

• Free monthly e-statements

• Competitive and tiered interest is paid based on account balance (minimum balance to earn interest is GHS200.00)

• Free sign on to CalNet, HerMes Online Services (HerMes App & *771#), HerMes E-Alerts.

• Access to E-Zwich Cards

• Students will also have the flexibility of converting the account to a liability product of choice after school

• All Tertiary Students from the age of 18years and above

• Must be enrolled in a tertiary or higher education institution

• Student ID Card or a copy of Student admission letter

• Initial deposit is GHS20.00

• Account can be opened instantly and operated without coming to the banking halls

• Multiple outlets to perform the needed transactions. (Online, HerMes Branches & all Visa and Gh-Link branded ATMs and POS)

• Easy access to funds via HerMes Payment Solutions; HerMes Mobile Banking (HerMes App & *771#), CalNet, Agent Banking, POS and ATM services