Business Insurance

Business insurance is used to protect your business against theft, accidents and any unforeseen events. Under business insurance there is a wide variety of protection that can be taken to safeguard you and your company against financial losses.

The cover that is taken under such a policy is determined by the nature of the business. By putting insurance into place this will protect both the business owner as well as the financial institution against losses.

Buy and Sell Contracts and Insurance

Where business co-owners buy insurance on each other’s lives in order to buy out the shares due death and disability.

Key Person / Keyman Insurance

Where the business buys insurance on an employee’s life due to death or disability in order to cover potential financial losses.

Pension / Provident Funds

Where a business helps employees save for retirement as well as offer group life and disability in one package.

Group Funeral Cover

Offer affordable funeral policies for employees. Commercial & Corporate Short-Term insurance.


Perils (Fire, lightning or thunderbolt, explosion such additional perils as are stated in the schedule to be included) cover for contents, fixtures & fittings, stock, etc.

Buildings Combined

Commercial building cover.

Office Content

Commercial cover for office furniture and other loose-standing items.

Business Interruption

Income losses due to the interruption of the business due to an insured event.

Accounts Receivable

Financial losses due to the loss or damage to business books.


Theft or attempted theft and / or damage to business due to forcible or violent entry.


Loss of money due to theft (normally non-employees).


Damage / Loss to windows and other glass as well as sign writing.


Loss of money, property, fraud, etc. due to employee dishonesty.

Goods In Transit

Losses of transported goods as specified in the policy.

Business All Risks

Items not confined to the office but used for business including laptops, projectors, cellular phones, etc.

Accidental Damage

Accidental physical loss of or damage to the insured property.

Public Liability

Covers losses or damage to 3rd party (including death) and / or their property whilst conducting business.

Employers Liability

As personal liability but covers employees.

Products Liability / Defective Workmanship

Covers losses due to defective products and / or the uses thereof and / or defective workmanship.

Professional Indemnity

Covers losses due to wrongful advice and / or design.

Directors & Officers Liability

Covers losses due to negligence and / or fraud of the company’s directors and  / or officers.

Stated Benefits

Covers bodily injury to employees of company.

Group Personal Accident

As Stated Benefit but in group form.


Vehicles used by business.

Electronic Equipment

Covers loss / damage to electronic equipment used for business.

Motor Traders

Cover for car dealerships, panel beaters, etc. where 3rd parties handle vehicles.

Machinery Breakdown

Unforeseen or physical damage to machinery used for business.

Loss of Profit

Any loss due to the breakdown of machinery.

Body Corporate

Physical building cover including geysers, gate motors, etc. for joint property owners for example complexes.


Specialist insurance involving transportation of goods involving trucks, etc.


As Transport including export and import of goods.

Contractors All Risk (CAR)

Cover for construction sites including building material, etc.

Plant All Risk (PAR)

Cover for equipment used for construction sites including cranes, etc.

Group Medical Aid

Voluntary and compulsory group medical aid. Waived underwriting for groups bigger than 10 members.

Group Gap Cover

Additional cover for in hospital specialists, etc. as well as co-payment cover for groups.

Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.

In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.

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