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      We are here to help you with all your insurance needs 

         

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        © 2026 B.I.C.B. Limited trading as Bryte Risk Services Botswana

        We are here to help you with all your insurance needs 

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        5. Shari'ah compliant cover

        Comprehensive

        Shari’ah compliant cover

        Shari’ah compliant cover offers an alternative solution that adheres to Shari’ah law, making it an ethical choice for individuals and businesses alike.  

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        Islamic pattern symbolizing the ethical and cooperative principles of Shari'ah compliant insurance, reflecting unity, responsibility, and protection in line with Shari'ah law

        ABOUT OUR INSURANCE

        Shari’ah Compliant Cover

        At Bryte, we provide cover focusing on cooperation, mutual responsibility, and protection. This cover is available to all and offers financial security in the face of unforeseen risks such as natural disasters or theft. Our Shari’ah Compliant Cover also ensures that all participants benefit from the arrangement, aligning with ethical investment goals.

        Our offerings

        Shari’ah compliant cover options

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        Personal Shari’ah compliant cover for myself

        Your belongings hold both material and emotional value. Bryte’s Personal Shari’ah Compliant Cover offers tailored protection for your home, possessions, and motor vehicle, respecting Shari’ah principles. Our team will work with you to develop a plan that safeguards against risks like natural disasters, theft, and damage, giving you peace of mind in full compliance with Shari’ah law.
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        Commercial Shari’ah compliant cover for my business

        We understand the importance of safeguarding your business. Bryte’s Commercial Shari’ah Compliant Cover provides comprehensive, Shari’ah-adherent protection tailored to your business’s unique needs. Our cover includes property damage, liability, goods in transit, motor fleet, and more. With our dedicated claims team, we help your business stay resilient through unexpected events.

        Surplus distribution after claims

        Surplus allocation

        What happens if there is a surplus after settling all claims and expenses?

        In the event of a surplus, after all claims and expenses have been settled, participants may benefit from a share of the surplus or a reduction in their contributions. Additionally, a portion of the surplus may be allocated to charity, with another share held over for future years.

        I want to protect

        Let’s refine your approach to risk

        From businesses big and small to personal property and prized assets, Bryte has the insurance solutions to protect what’s important to you.

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