When you run a business you need coverage for protection against potential losses through unforeseen circumstances like theft, liability, property damage, and for coverage in the event of an interruption of business or injured employees.

Different types of commercial and business insurance are carefully selected to cover your unique needs.

Commercial insurance would take the following requirements into account and our brokers advise on exactly what you need:

Commercial and business insurance

Accidental physical loss of or damage to the insured property at or about the premises by any cause not excluded by this section or otherwise insured or for which insurance is available.

Loss of or damage as a result of accident or misfortune to your books of account in Consequence whereof you are unable to trace or establish the outstanding debit balances in whole or part due to you monthly declarations required.

Loss of or damage to the insured buildings by the perils as per the fire section including:

Theft following forcible and violent entry into or exit from such building loss of rent not exceeding 25% of the sum insured. Property Owners Liability R1, 000,000.

Loss of or damage to the property described whilst anywhere in the world by any accident or misfortune not otherwise excluded.

Financial loss following interruption of or interference with the business in Consequence of damage occurring in respect of which payment has been made or liability admitted under:

  1. The fire section
  2. The buildings combined section
  3. The office contents section
  4. The Electronic Equipment section- but limited to the fire section perils.

Any unforeseen sudden physical loss of or damage to the equipment described in the schedule from any cause not otherwise excluded.

Loss of money and/or other property stolen by an insured employee or direct financial loss sustained by you as a result of fraud or dishonesty of an insured employee which results in dishonest personal financial gain to the employee concerned.

Damage to the insured property by: Fire, Lightning or Thunderbolt, Explosion, Earthquake, Storm, Wind, Water, Hail, Snow, Aircraft and other aerial devices or articles dropped there from, impact by animals, tree’s or vehicles and malicious damage.

Accidental loss of or damage to internal and external glass (including mirrors) and sign writing and treatment there on.

 Loss of or damage to the property described in the course of transit.

Any unforeseen sudden physical loss of or damage to the insured property whilst on the premises, but excluding loss or damage due to any peril covered in terms of the fire or theft section.

Machinery Breakdown – Business Interruption 

Financial loss following interruption of or interference with the business in consequence of damage occurring in respect of which payment has been made or liability and admitted under the Machinery Breakdown Section.

Loss of or damage to money at your premises or whilst in transit to and from your bank

Loss of or damage to any vehicle described in the schedule including liability to third parties caused by or through any vehicle described in the schedule.

Loss of or damaged to the insured content (excluding any computer equipment) by the perils as per the fire section including:

  • Theft of any attempt thereat.
  • Accidental breakage of mirror glass, plate glass tops to furniture or fixed glass forming part of any article of furniture.
  • Loss of rent not exceeding 25% of the sum insured.
  • Loss of or damage to Documents.
  • Legal Liability as a direct consequence of loss of or damage to documents.

Damages which you shall become legally liable to pay consequent upon accidental death of or bodily injury to or illness of any person or accidental loss of or caused by any riot, strike or public disorder.

Bodily injury caused by accidental, violent , external and visible mean to any person mentioned in the schedule.

Loss of or damage to content due to theft following forcible and violent entry into or exit from your premises including damage to the buildings. Cover is on a first loss basis (Average not applicable).