Monday, October 19

Mary Chiwenga Haapike Jeri Hapana Nyay A Judge Has Told Reporters

HARARE High Court judge Justice Pisirai Kwenda has dismissed the State’s assertion that Vice-President Constantino Chiwenga’s estranged wife, Marry Mubaiwa, who is facing fraud, money laundering and externalisation charges, is likely to face jail term if convicted
Justice Kwenda said the offences for which Marry spent the festive season in remand prison, are non-jailable considering the available sentencing options that were enacted by the legislature.
The judge made the remarks in his judgment yesterday while releasing Marry on $50 000 bail pending trial.
The court aquo (Deputy chief magistrate Chrispen Mberewere) misdirected itself on two grounds upon which it refused bail. Firstly, policy considerations do not override the Constitution.

“If anything, policy must be informed by the supreme law. The court aquo erred in considering irrelevant issues and failing to take into account relevant considerations.

Secondly, the appellant (Marry Chiwenga) does not risk imprisonment if convicted,” Justice Kwenda said.

Marry is accused of externalising funds to China and South Africa, where she reportedly bought
two houses and three top-of-the-range cars.The former model is also alleged to have attempted to kill the VP while he was hospitalised in South Africa and pushing to wed him without his consent and knowledge.

In his judgment, Justice Kwenda said the deputy chief magistrate had erroneously concluded that the State had overwhelming evidence and that chances of Marry’s conviction, after a proper prosecution, were high.

“It (the lower court) also found that there was a real chance that the appellant would be convicted of a fraud charge and that could also frighten her…..however that is not what induces flight.
“What induces flight are the sentencing provisions. At the hearing it became clear that in all probabilities the worst that will happen if the appellant is convicted of money laundering are non-custodial sentences…,” the judge said.

“What is clear is that money laundering is, in essence, a fiscal offence which is punished, as a first option, by a fine which is beyond the usual levels or double the illicit gain/advantage…

“the court aquo therefore erred when it concluded that the appellant was a flight risk because she will be imprisoned if convicted. The misdirection arises from its failure to consider the sentencing provisions.”
Justice Kwenda further said Mberewere’s misdirection was even more glaring with regards to the externalisation charges, adding the sentencing provisions, in the case of a conviction, provide for a fine and a prison term wholly suspended on condition of repatriation of the externalised funds.

“In other words, the legislature, in its infinite wisdom, contemplated a situation whereby a person retains his/her freedom even after being convicted of externalising funds unlawfully,” he said.

Commenting on Marry’s alleged push to wed the bed-ridden Chiwenga, Justice Kwenda said marriage was a contract and as such the parties intending to tie the knot must declare their intention and eligibility to marry before the marriage officer under oath and in the presence of each other.

“The State alleges that the licence and the marriage certificate were completed without the knowledge and involvement of the appellant’s husband (Chiwenga). I do not have adequate facts to assess the veracity of that allegation and decrypt appellant’s possible motive,” Justice Kwenda said.

“Whether or not there is a flight risk depends on the likely sentence which, in turn, would be informed by her prima facie motivation for allegedly seeking to register the marriage at all costs, at that point in time.

“While not disputing that the facts alleged against her gave rise to a reasonable suspicion that she committed the act of fraud, the appellant did not attempt an innocent explanation for her alleged conduct. At the same time, the State did not argue before me why the alleged fraud would attract a prison term.”

Turning to the attempted murder case in which Marry is alleged to have attempted to pull the plug on Chiwenga’s life support system, the judge said the deputy chief magistrate did not place any weight on the submissions by the State regarding the allegation, adding his “oversight was not fatal”.

“It will be recalled that the State argued that the appellant had set to kill her husband and she had unfinished business in that regard. The court aquo did not place any weight on that submission. The oversight was not fatal. The attempted murder is alleged to have been committed at a time when appellant’s husband was admitted in hospital and dependent on a life-support system.

“That situation was no longer obtaining at the time of the bail application. The averment in the bail statement that the parties had interacted subsequent to the alleged attempted murder was not controverted by the State,” Justice Kwenda said.

As part of her bail conditions, Marry was ordered to surrender her diplomatic passport to the clerk of court, reside at her Borrowdale residence in Harare, surrender title deeds of her father, Keni Mubaiwa’s Highlands home and to report to police once a fortnight.

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Best Business Liability Insurance Plans for Small Companies in 2026

Why Business Liability Insurance Is Essential for Modern Businesses

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Running a successful business in today’s economy requires more than just excellent products and customer service. Every company, whether small or large, faces financial risks that can appear unexpectedly. From customer injuries to lawsuits and property damage claims, one legal issue can create major financial problems for a business that lacks proper insurance coverage. This is why business liability insurance has become one of the most important investments for entrepreneurs and growing companies in 2026.

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Business liability insurance protects companies against legal costs, medical expenses, settlements, and damages that may arise during normal operations. Many small business owners mistakenly believe lawsuits only happen to large corporations, but statistics show that small businesses are frequently targeted because they often have fewer legal protections and financial reserves. Even a simple customer accident inside a retail store or office can lead to thousands of dollars in legal expenses.

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Today’s business environment is also becoming more complex due to cybersecurity threats, online transactions, and remote work operations. Companies now need broader protection that covers both physical and digital risks. Modern insurance providers are responding by offering customized commercial insurance solutions designed specifically for different industries such as healthcare, construction, eCommerce, consulting, and technology services.

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Understanding the Different Types of Business Liability Insurance

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One of the most important steps when selecting coverage is understanding the different types of liability insurance available. Many companies require multiple forms of protection to reduce overall business risk effectively.

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General Liability Insurance

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General liability insurance is considered the foundation of business protection. It covers common risks including bodily injury claims, customer accidents, property damage, and advertising-related disputes. For example, if a customer slips and falls inside a business location, general liability insurance can help cover medical expenses and legal fees.

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This type of insurance is especially important for retail stores, restaurants, contractors, and businesses that interact directly with the public. Without adequate coverage, a single lawsuit could severely damage a company financially.

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Professional Liability Insurance

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Professional liability insurance, also called errors and omissions insurance, protects businesses that provide professional services or advice. Consultants, accountants, real estate agents, healthcare providers, and marketing agencies commonly use this type of coverage.

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Cyber Liability Insurance

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Cybersecurity threats continue increasing globally, making cyber liability insurance one of the fastest-growing insurance sectors. Businesses now store large amounts of customer data online, including payment details, personal information, and confidential business records.

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Cyber liability coverage helps businesses recover from data breaches, ransomware attacks, and hacking incidents. Coverage often includes legal support, customer notification expenses, forensic investigations, and reputation management services. As cybercrime becomes more advanced, many businesses now consider cyber insurance just as important as traditional liability protection.

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Factors Businesses Should Consider Before Choosing a Policy

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Selecting the right insurance policy requires careful comparison and planning. Many business owners focus only on monthly premium costs, but several other factors are equally important when evaluating coverage options.

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Coverage Limits

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Coverage limits determine the maximum amount an insurance company will pay for a claim. Businesses should ensure their limits are high enough to protect against worst-case scenarios. Companies operating in high-risk industries may require larger coverage amounts to avoid financial exposure.

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Deductibles

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Deductibles represent the amount a business must pay before insurance coverage begins. Policies with lower deductibles often have higher monthly premiums, while higher deductibles reduce monthly costs but increase out-of-pocket expenses during claims.

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Industry-Specific Risks

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Every industry faces different risks. A construction company may need strong worker injury and property damage protection, while an online business may prioritize cybersecurity and data protection coverage. Understanding industry-specific risks helps companies select the most effective insurance plan.

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Insurance Provider Reputation

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Businesses should research insurance providers carefully before purchasing coverage. Reading customer reviews, evaluating claim response times, and checking financial strength ratings can help companies avoid unreliable insurers. Fast claims processing and excellent customer support are extremely important during emergencies.

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Benefits of Bundled Commercial Insurance Packages

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Many insurance providers now offer bundled commercial insurance packages designed to simplify business protection. These packages combine multiple policies into one plan, often reducing overall costs while improving convenience.

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For example, a business owner may combine:

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How Insurance Helps Businesses Grow Safely

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Strong insurance protection does more than reduce financial risk. It also helps businesses grow confidently. Investors, lenders, and business partners often prefer working with insured companies because proper coverage demonstrates professionalism and responsible management.

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Final Thoughts

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Business liability insurance remains one of the smartest investments companies can make in 2026. With legal risks, cybersecurity threats, and financial uncertainties continuing to rise, businesses must take proactive steps to protect their operations and future growth.

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Choosing the right combination of general liability, professional liability, and cyber liability insurance can help businesses avoid devastating financial losses while building long-term stability. By carefully comparing providers, understanding coverage options, and reviewing policies regularly, companies can create strong protection strategies that support both security and business success.

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Business Liability Insurance: Protecting Companies From Financial Risks

Business liability insurance is essential for companies seeking protection against lawsuits, accidents, and unexpected financial losses. Whether operating a small business or a large corporation, having the right insurance coverage helps protect assets, employees, and long-term operations from serious financial risks.

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General liability insurance typically covers customer injuries, property damage, and legal defense expenses. Many companies also purchase professional liability insurance, cyber insurance, and workers compensation coverage to address industry-specific risks. Businesses operating online increasingly invest in cybersecurity insurance to reduce losses associated with data breaches and ransomware attacks.

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Without adequate insurance protection, a single lawsuit or accident could create devastating financial consequences. Insurance policies help businesses continue operating during legal disputes and emergency situations. Financial experts recommend reviewing coverage annually and updating policies as business operations grow or change.

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Choosing the right insurance provider requires careful comparison of premiums, coverage limits, and policy exclusions. Working with experienced insurance advisors can help businesses identify risks and develop stronger long-term financial protection strategies.

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