Commercial Insurance

Home Products Commercial Insurance

We understand that running a business takes many hours of hard work and that there are risks which are ever prevalent. One of our qualified representatives will call on you personally to assess your needs and requirements and will work out a package which is most suited to you and which will reduce you exposure to risk. After completing an assessment of your business we will arrange an extremely competitive quotation on your behalf.

We are geared to provide insurance quotations for a broad spectrum of businesses. These include

  • Guest houses
  • Retail outlets
  • Businesses run from home
  • Brokers
  • Financial companies

Insurance against possible liability claims is critical for small, medium and large businesses. Liability insurance is complex and varied and requires a specialist to guide you with the correct choice. We are qualified in this field to help you with the many forms of liability insurance available to you. These are some of the areas we specialize in –

  • General commercial liability
  • Tenants liability
  • Trustees indemnity
  • Products liability
  • Defamation
  • Advertisers liability
  • Event liability
  • Professional indemnity
  • Directors and officers liability
  • Top up liability
  • Motor vehicle liability
  • Warehouseman’s liability
  • Errors and omissions liability
  • Employment practices liability insurance
  • Carriers liability
  • Pollution liability

Whether you own your own stock or warehouse goods on behalf or another our specialists will be able to we will be able provide you with the correct advice to give you peace of mind.

We arrange cover for a multitude of restaurants throughout  South Africa.  There are unique requirements for restaurant owners and we can provide the correct insurance so that there are no gaps in your cover when it  is time to claim.

Most companies run an office as part of their business  and in some cases the all the assets are contained in the office. With the fast pace of technology electronic equipment is becoming ever more expensive to replace. It is highly advisable to make sure that you are covered for the risks at hand such as the high crime rate and powerful electric storm.

Factories cannot afford any downtime after suffering a loss. They must be able to seek immediate compensation and also be covered for the loss of profit while being unable to produce. We can arrange a solution which will include cover for a host different contingencies.

Your building is probably one of your most valuable assets and care must be taken to ensure that it is covered correctly. Your buildings must be insured for the cost of replacing the building as new allowance must be made for all  improvements as well as architects fees, debris removal and municipal fees.

We do our best to ensure that the building cover includes

  • Property owners liability
  • Loss of rent
  • Bursting and overflowing of geysers and other water storage devices.
  • Accidental damage to public supply connections

We offer insurance cover for motor fleets of all sizes. We also cover motor vehicle fleets of road hauliers and transport contractors.

Owners of body corporate’s generally enjoy a far more competitive premium that stand alone buildings. We represent specialist insurers who will provide unique cover for body corporate’s at highly competitive premiums.

Cover will include:

  • Loss of rent
  • Fidelity guarantee insurance
  • Trustees indemnity
  • Geyser cover
  • Damage to gardens
  • Increased liability limits
  • Money