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PRODUCTS & SERVICES

Commercial

Fire and Allied Perils Insurance

  • Fire, lightning, explosions, storm, wind, water, hail, snow and other hazards that can result in major damage to your business. This policy will provide cover for company property and goods owned or insured by you including plant machinery, fittings and fixtures plus tenant improvements.

  • Business Interruptions Insurance

  • Also known as loss of profits cover, this policy will cover you in the event of loss of income following a disaster.  The profits plus standing charges are triggered by fire, office contents, buildings combined or any other material damage section covering the interest of the insured.

  • Fidelity Guarantee Insurance

  • Embezzlement and theft by employees can leave your business vulnerable to losses and legally liable for their fraudulent activities. Fidelity guarantee insurance indemnifies the insured (the employer) for loss of property or money affected as a result of dishonesty, fraud or theft by an employee in the duty of their employment.

  • Liability

  • Liability may arise as a result of  injury or death of a person, or due to loss or damage to tangible property in connection with the business’s negligence. This type of policy provides cover for legal defence costs resulting from legal action brought against any of your employees or yourself as the business owner

  • Accidental Damage Insurance

  • Accidental physical loss of, or damage to your property can potentially harm business operations or even your bottom line. This product will provide adequate business cover for accidental damage and for property not more specifically insured.

  • Electronic Equipment Insurance

  • Covers physical loss or damage caused to any electronic equipment used in business operations due to power surge or lightning, theft or accidental damage. It also covers such equipment in transit or while being stored at any premises on route, for a limited period.

  • Accounts Receivable Insurance

  • It is essential cover if your business issues credit to clients. It protects your business against the possibility of loss or damage to accounting records at your premises which may result in untraceable outstanding debt balances owing to you. Unpaid debt as a result of lost records of accounting is covered by this insurance.

  • Buildings Combined Insurance

  • Damage caused by fire, lightning, explosions, storm, wind, water, hail, snow and other hazards to buildings, including all outbuildings, landlord fixtures and fittings, walls, gates, paved road and parking areas is covered by this type of policy. Loss of rent, theft and malicious damage are included up to the limit stated on your policy.

  • Business All Risks Insurance

  • Business all risk insurance doesn't just include cover for when you are operating from your premises but also when you are anywhere else in the world.

  • Theft Insurance

  • Robbery, burglary or larceny accompanied by forcible or violent entry into, or exit from, your premises is covered by theft insurance. Cover for loss of, or damage to all contents of any insured building at your premises described in the schedule is on a first loss basis (average does not apply).

  • Money Insurance

  • This policy covers loss of money, both at your premises and in transit (to and from the bank). Money stored in a safe at night is covered under this policy but is dependent on the safety rating of your safe.

  • Glass Insurance

  • As a vulnerable substance, glass is prone to accidental damage or breakage. It is worthwhile insuring against any loss or damage to internal and/or external glass, including sign writing.

  • Local Goods in Transit Insurance

  • Transporting goods in South Africa exposes your business to the risk of lost or damaged goods due to theft, hijacking, accidents, fire or another related event. This policy will ensure that you can recover this loss without detrimental effect to your business.

  • Personal Accidental Insurance

  • During the course of their employment, your employees are your responsibility. Personal accident insurance provides cover for any accidental bodily injury or death for all specified employees of your business.

  • Motor Insurance

  • Cover for vehicles, light delivery vehicles and motorcycles, used for the purpose of pleasure or business,  against loss or accidental damage including theft, hijacking or lost keys. Damage to any specified vehicle plus its specified spare parts and accessories is included. It also includes third party liability and passenger liability.

  • Office Contents Insurance

  • Office contents can be insured against fire, storm, water and other related perils. It also includes theft and loss of rent up to 25% of the insured amount. This type of insurance excludes computer and electronic equipment.

  • Sasria Insurance

  • Loss of, or damage to business property as a result of rioting, strikes or any public disorder is covered by Sasria which is a government insurance company. This is compulsory cover.

  • Body Corporate

  • Body Corporates must have adequate insurance to protect their property against acts of god, theft, damage to boundary walls, entrance gates, security systems, gate motors and irrigation systems. The Body Corporate property must be insured for replacement value ascertained by a professional valuator.

  • Trustees Indemnity

  • This provides cover for trustees for when they become legally liable as a result of any wrongful act, error, misstatement, act or omission, neglect or breach of duty committed; attempted or allegedly made. It covers persons currently serving on a body corporate’s trustees committee.

  • Motor Traders Insurance

  • Motor Traders Insurance offers an internal risk policy (while on the business premises) and an external risk policy (in the course of a journey outside of the business premises); both options include third party liability. This cover is specifically for businesses that have vehicles in their care, custody or control.

  • Choose an option
    • Fire & Allied Perils
      • Fire, lightning, explosions, storm, wind, water, hail, snow and other hazards that can result in major damage to your business. This policy will provide cover for company property and goods owned or insured by you including plant machinery, fittings and fixtures plus tenant improvements.

    • Business Interruptions
      • Also known as loss of profits cover, this policy will cover you in the event of loss of income following a disaster.  The profits plus standing charges are triggered by fire, office contents, buildings combined or any other material damage section covering the interest of the insured.

    • Fidelity Guarantee
      • Embezzlement and theft by employees can leave your business vulnerable to losses and legally liable for their fraudulent activities. Fidelity guarantee insurance indemnifies the insured (the employer) for loss of property or money affected as a result of dishonesty, fraud or theft by an employee in the duty of their employment.

    • Liability
      • Liability may arise as a result of  injury or death of a person, or due to loss or damage to tangible property in connection with the business’s negligence. This type of policy provides cover for legal defence costs resulting from legal action brought against any of your employees or yourself as the business owner

    • Accidental Damage
      • Accidental physical loss of, or damage to your property can potentially harm business operations or even your bottom line. This product will provide adequate business cover for accidental damage and for property not more specifically insured.

    • Electronic Equipment
      • Covers physical loss or damage caused to any electronic equipment used in business operations due to power surge or lightning, theft or accidental damage. It also covers such equipment in transit or while being stored at any premises on route, for a limited period.

    • Accounts Receivable
      • It is essential cover if your business issues credit to clients. It protects your business against the possibility of loss or damage to accounting records at your premises which may result in untraceable outstanding debt balances owing to you. Unpaid debt as a result of lost records of accounting is covered by this insurance.

    • Buildings Combined
      • Damage caused by fire, lightning, explosions, storm, wind, water, hail, snow and other hazards to buildings, including all outbuildings, landlord fixtures and fittings, walls, gates, paved road and parking areas is covered by this type of policy. Loss of rent, theft and malicious damage are included up to the limit stated on your policy.

    • Business All Risks
      • Business all risk insurance doesn't just include cover for when you are operating from your premises but also when you are anywhere else in the world.

    • Theft Insurance
      • Robbery, burglary or larceny accompanied by forcible or violent entry into, or exit from, your premises is covered by theft insurance. Cover for loss of, or damage to all contents of any insured building at your premises described in the schedule is on a first loss basis (average does not apply).

    • Money Insurance
      • This policy covers loss of money, both at your premises and in transit (to and from the bank). Money stored in a safe at night is covered under this policy but is dependent on the safety rating of your safe.

    • Glass Insurance
      • As a vulnerable substance, glass is prone to accidental damage or breakage. It is worthwhile insuring against any loss or damage to internal and/or external glass, including sign writing.

    • Local Goods in Transit
      • Transporting goods in South Africa exposes your business to the risk of lost or damaged goods due to theft, hijacking, accidents, fire or another related event. This policy will ensure that you can recover this loss without detrimental effect to your business.

    • Personal Accidental
      • During the course of their employment, your employees are your responsibility. Personal accident insurance provides cover for any accidental bodily injury or death for all specified employees of your business.

    • Motor Insurance
      • Cover for vehicles, light delivery vehicles and motorcycles, used for the purpose of pleasure or business,  against loss or accidental damage including theft, hijacking or lost keys. Damage to any specified vehicle plus its specified spare parts and accessories is included. It also includes third party liability and passenger liability.

    • Office Contents
      • Office contents can be insured against fire, storm, water and other related perils. It also includes theft and loss of rent up to 25% of the insured amount. This type of insurance excludes computer and electronic equipment.

    • Sasria
      • Loss of, or damage to business property as a result of rioting, strikes or any public disorder is covered by Sasria which is a government insurance company. This is compulsory cover.

    • Body Corporate
      • Body Corporates must have adequate insurance to protect their property against acts of god, theft, damage to boundary walls, entrance gates, security systems, gate motors and irrigation systems. The Body Corporate property must be insured for replacement value ascertained by a professional valuator.

    • Trustees Indemnity
      • This provides cover for trustees for when they become legally liable as a result of any wrongful act, error, misstatement, act or omission, neglect or breach of duty committed; attempted or allegedly made. It covers persons currently serving on a body corporate’s trustees committee.

    • Motor Traders Insurance
      • Motor Traders Insurance offers an internal risk policy (while on the business premises) and an external risk policy (in the course of a journey outside of the business premises); both options include third party liability. This cover is specifically for businesses that have vehicles in their care, custody or control.