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Business Insurance

A variety of business insurance packages are available.Talk to us about your business and your unique requirements. We specialise in the following:

Body Corporate
Buildings, geysers and tenants liability
Transport
Any type of transport, goods in transit, delivery vehicles and liability
Plant & Contractors All Risk
Plant equipment and contractors liability
Hospitality
Restaurants, guest houses, lodges and B&B’s
Professional Indemnity
Doctors, physiotherapists etc.
General Business
Plumbers, electricians and any other business insurance cover required

The sections of the policy could typically cover the following:

Fire

Fire, lightning, storm, explosion and other specified perils.

Buildings Combined

For buildings such as office buildings, flats, hotels and schools.

Office Contents

Comprehensive insurance for office contents and documents.

Business Interuption

Loss following interruption of or interference with the business in consequence of damage occurring to property as insured under a material damage policy.

Accounts Receivable

Outstanding books of account is insured on a comprehensive basis.

Theft

Loss/damage caused during theft (forcible and violent entry).

Money

Loss of money (cash and cheques).

Glass

Accidental breakage of glass and damage caused to other property connected thereto.

Fidelity

Loss of money or property due to dishonest employees.

Transit

Comprehensive insurance for goods that are not transported per sea. Restricted cover can be taken.

Business All Risks

Comprehensive policy for the insurance of expensive items which can be taken away from the premises.

Accidental Damage

Accidental loss or damage to property by any cause not specifically excluded or for which insurance may be available under any other policy.

Public Liability

Liability towards third parties upon death, bodily injury or illness or damage to property that may arise from the activities of the insured.

Employers Liability

Liability towards employees upon death or injuries whilst on duty.

Stated Benefits

Accidental death or bodily injury to employees.The benefits are based on a specific number of year’s benefits.

Group Personal Accident

Accidental death or bodily injury to person.The benefits are based on specific amounts.

Motor

Private type vehicles, LDV’s, commercial vehicles, special type of vehicles, trailers, caravans, busses and motorcycles can be insured on a comprehensive or limited basis.

Electronic Equipment

Comprehensive insurance for computers and other electronic equipment.

Motor Traders (Internal)

Comprehensive insurance for the dealer’s own vehicles and third party liability whilst on the premises of the dealer.

Motor Traders (External)

Comprehensive insurance for vehicles belonging to the dealer or vehicles in his custody whilst outside the premises of the dealer.

Machinery Breakdown

Unforeseen and sudden physical loss/ damage to machinery.

Machine Breakdown Business Interruption

Loss following interruption of or interference with the business in consequence of damage to property insured above.

Machinery Transit and Erection

Unforeseen and sudden physical loss of or damage to machinery whilst in transit or erection.

House Owners

Comprehensive insurance for buildings of private dwelling

House Holder

Comprehensive insurance for the contents of houses.

Contractors All Risk

Comprehensive insurance for contract works such as building of buildings, roads, dams, etc.Liability can be included.

Motorboat and Small Vessels

Comprehensive insurance for motorboats and small vessels including the equipment thereof.

Leakage of Liquids

Loss caused by leakage, spillage or pump over of wine, spirits and other liquids.

Lifestock / Animals

Specific perils such as fire, lightning and explosion.More cover such as accidents and sickness is also available.

Marine (Hull)

Comprehensive insurance for boats and vessels including third party and passenger liability.

Marine (Freight)

Comp.insurancefor freights being carried to or from abroad.

Plantation

Loss/ damage to plantation due to fire, lightning and explosion.

Harvest

Loss/ damage to crop. Specific perils fire, hail damage is also.

Deterioration - Stock

Deterioration of stock due breakdown of machinery/ equipment.

Professional Liability

Negligence/ failure of professional persons.

Aviation (Hull)

Airplanes and other aircraft’s including liability cover

Aerodrome Ownersliability

Liability cover to third parties due to the ownership or works of an aerodrome.

Guarantees

Cover in respect of guarantees required by larger companies such as Transnet, Escom, etc.

Contingent Risks

Loss of income due to contingencies such as confiscating, nationalism, not complying with, not arriving, postponing/cancellation of events due to bad weather, etc.

Riot Cover (SASRIA)

Loss or damage to property due to riots/strikes, which is insured under any material, damage policy including B.I.

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