Business Insurance

Assets & Buildings Insurance – Protects your business-owned property and premises against risks such as fire, theft, and accidental damage.

Vehicle Insurance – Comprehensive cover for business vehicles, helping you stay on the road and keep operations running smoothly.

Public Liability Insurance – Provides financial protection if your business is held legally liable for injury to third parties or damage to their property.

Business Interruption (Loss of Income) Insurance – Covers loss of income and ongoing expenses if your business is disrupted by an insured event.

Cyber Risk Insurance – Protects against financial losses arising from cyber threats, including data breaches, cyberattacks, legal costs, and data recovery.

Directors & Officers Liability Insurance – Covers directors, officers, and key employees against legal claims arising from management decisions and business activities.

Assets & Buildings – Covers your office premises and the equipment, furniture, and other items inside your business.

Vehicles – Insurance for all business vehicles, from company cars to delivery vans, keeping your operations moving.

General/Public Liability – Protects your business if a third party suffers injury or property damage and makes a claim.

Professional Indemnity – Covers professionals and service providers against claims of negligence, errors, or omissions that cause financial loss.

Business Interruption (Loss of Income) – Replaces lost income if your business operations are unexpectedly disrupted.

Cyber Risk Insurance – Protects against financial losses from cyber incidents, including data breaches, cyberattacks, legal costs, and data recovery.

Medical Malpractice – Protects healthcare professionals against claims of negligence or mistakes in patient care.

Directors & Officers Liability – Covers company directors and officers against legal claims alleging breaches of duty or mismanagement.

Assets & Buildings – Protects your business property and assets against theft, damage, and other risks.

Vehicles – Covers all company vehicles against accidents, fire, theft, and natural events, including third-party liability.

Public, Products & Workmanship Liability – Safeguards your business and employees if you are legally liable for injury or damage caused by your operations or products.

Business Interruption (Loss of Income) – Replaces income lost due to unexpected events that disrupt normal business operations.

Cyber Risk Insurance – Protects your business from financial losses caused by data breaches or cyberattacks, including legal costs, data recovery, and customer notifications.

Directors & Officers Liability – Covers directors and officers against claims of breach of duty or mismanagement.

Assets & Buildings – Protects your business premises, assets, and related structures against unforeseen events.

Vehicles – Covers all company vehicles from accidents, fire, theft, third-party liability, and natural events.

Earthmoving Equipment & Plant Hire – Insures construction equipment and machinery during storage, transit, on-site, or while in use.

Contractors All Risk & Liability – Comprehensive cover for property damage, theft, and third-party injury claims on construction projects.

Construction Guarantees & Bonds – Protects your business if a contractor fails to complete a project or meet contractual obligations.

Cyber Risk Insurance – Financial protection against data breaches and loss of sensitive information.

Dismantling, Transit & Erection – Covers mechanical and electrical equipment during moving, installation, and related operations.

Directors & Officers Liability – Protects directors, officers, and employees from legal claims arising from business decisions.

Assets – Protects your business-owned assets against theft, accidental damage, and other risks.

Vehicles – Covers all company vehicles from accidents, fire, theft, third-party liability, and natural events.

Public Liability – Safeguards your business against legal claims arising from injury or property damage to third parties.

Client Vehicles in Custody – Covers vehicles under your care from theft, accidental damage, or other specified incidents.

Business Interruption (Loss of Income) – Replaces lost income when unexpected events prevent normal business operations.

Cyber Risk Insurance – Protects your business from financial losses due to cyber incidents, including legal costs, data recovery, and customer notifications.

Directors & Officers Liability – Protects directors, officers, and employees from legal claims related to business decisions.

Assets & Buildings – Covers your institution’s property, offices, and associated buildings against theft, damage, and other risks.

Vehicles – Protects all school or institution vehicles from accidents, fire, theft, third-party liability, and natural events.

Liability – Safeguards your institution and staff from legal claims arising from accidental injury or property damage.

Professional Indemnity – Provides cover for educators and institutions against claims of professional negligence or errors.

Business Interruption (Loss of Income) – Replaces lost income if unforeseen events disrupt normal school operations.

Cyber Risk Insurance – Protects your institution from financial losses caused by cyber incidents, including data breaches and cyberattacks.

Group Personal Accident (Students & Teachers) – Covers accidental bodily injuries suffered by students and teachers.

Directors & Officers Liability – Protects school leaders and staff from legal claims related to their management decisions.

Student & Teacher Liability Insurance – Provides additional liability cover specifically for students and teachers.

Buildings – Protects your properties against fire, storms, water damage, theft of fixtures, and other potential risks.

Vehicles – Covers all company vehicles from accidents, fire, theft, third-party liability, and natural events.

Public Liability – Safeguards your business and employees against claims for injury, death, or property damage to third parties.

Assets – Comprehensive cover for your business assets against theft, damage, and other losses.

Business Interruption (Loss of Income) – Replaces lost income or covers unexpected expenses when operations are disrupted.

Cyber Risk Insurance – Protects your business from financial losses caused by cyberattacks or data breaches.

Wildlife – Insurance for game and livestock against damage, loss, or unforeseen events.

Directors & Officers Liability – Protects directors and officers against claims arising from decisions made in the course of their duties.

Travel – Covers loss or damage during the transport of goods or people for business-related activities.

Buildings – Comprehensive all-risk cover for your commercial, industrial, and residential properties.

Solar Systems – Protection against theft, equipment breakdown, and other risks.

Public Liability – Covers damages you are legally required to pay due to incidents at your premises or arising from your business activities.

Geysers – Covers loss or damage to geysers and water pipes, including bursts, leaks, or overflows.

Assets & Buildings – Covers buildings, common areas, boundary walls, gate motors, entrances, security, and irrigation systems.

Vehicles – Protects all company vehicles from accidents, fire, theft, third-party liability, and natural events.

Public Liability – Safeguards your business against claims from visitors or tenants for injury, illness, or accidental property damage.

Trustees Liability – Protects trustees and the trust from legal claims or financial loss due to negligence, fraud, or wrongful acts.

Geysers – Covers the replacement of burst or leaking geysers.

Assets & Buildings – Comprehensive cover for all your business property and assets.

Vehicles – Protects all company vehicles from accidents, fire, theft, third-party liability, and natural events.

Public Liability – Financial protection if your business is held responsible for injury or property damage to third parties.

Forecourt Liability – Covers loss or damage to third-party vehicles caused by attendants dispensing incorrect fuel, oil, or other substances.

Business Interruption (Loss of Income) – Replaces income lost during unexpected events that disrupt normal business operations.

Cyber Risk Insurance – Protects your business against financial losses from hacking, data breaches, and other cyber events.

Pollution & Spillage Cover – Covers costs related to pollution or environmental incidents during the transport of dangerous goods.

Directors & Officers Liability – Protects directors, officers, and employees from legal claims arising from business decisions.

Assets & Buildings – Covers buildings, fixed assets, fences, machinery, and more.

Personal Belongings – Protects portable possessions like laptops, cell phones, and jewellery against theft, accidental damage, or loss.

Liability – Safeguards your business from legal claims, including Hunter’s Liability, Broadform Liability, and more.

Vehicles & Farming Equipment – Covers all vehicles, from bakkies and transport vehicles to tractors, trailers, and farm implements.

Crops – Protects your crops from risks like hail, fire, frost, and transit, including vegetables and fruit.

Game & Livestock – Specialist cover for game and livestock, protecting the backbone of your farming operations.

Shade Nets & Plastic Tunnels – Covers shade nets and tunnels against storms, hail, wind, fire, and other natural disasters.

Irrigation Systems – Provides replacement value cover for irrigation systems to keep crops maintained.

Business Interruption (Loss of Income) – Replaces lost income from interruptions or slowdowns in operations due to unexpected events.

Cyber Risk Insurance – Protects your business against financial losses caused by cyberattacks.

Directors & Officers Liability – Safeguards directors and officers from claims arising from decisions made in the course of their duties.

Assets & Buildings – Covers your offices, assets, and related buildings against unforeseen events.

Heavy Commercial Vehicles – Comprehensive protection for your fleet against loss, damage, and other risks.

Goods In Transit – Safeguards property and goods against theft, loss, or damage during storage or transport, including coverage for your transport operators.

Pollution & Spillage Cover – Covers costs for contamination, clean-up, and environmental rehabilitation resulting from the transport of dangerous goods.

Liability Cover – A complete safety net for your business, including public, carriers’, third-party, and pollution/spillage liabilities.