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How does it work?

  • Some products can be purchased directly from our Online Store. You order, we obtain your information and go-ahead immediately. You will be constantly updated.  If you are not entirely satisfied with your purchase, you are entitled to cancel within 3 days and obtain a full refund.
  • Other products require some consultation. Use the CLICK FOR DETAILS Buttons on this Website, so that you can be contacted by a specialist to discuss your individual options.

CLICK ON EACH PRODUCT FOR FULL PRODUCT DETAILS OR CONTACT US FOR MORE INFORMATION

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Public and Other Liability Insurance

PUBLIC LIABILITY

Legal liability to THIRD PARTIES for death or injury to persons and/or damage to their property arising during the course of the Company’s business activities.

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EMPLOYERS’ LIABILITY

Legal liability to EMPLOYEES in excess of your current COID (COID is the compensation that an employee receives in the event of injury, illness or death resulting from a workplace accident) and/or damage to their property arising in the course of the Company’s business activities.

PRODUCT LIABILITY

Legal Liability to THIRD PARTIES to protect your business from claims that a product you made or sold caused bodily injury or property damage to the public.
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Building Insurance

BUILDINGS COMBINED
Covers against damage to property (buildings) through fire, lightning and explosion, storm plus other defined perils. Additional Cover is provided by means of section extensions for Loss of Rent, Property Owners Liability.

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FIRE

Covers Physical assets (building, machinery stock etc) for damage caused by fire, lightning, explosion, storm, wind, water, hail, and malicious damage. It does not include any accidental damage or theft which must be covered more specifically through a commercial policy.

THEFT

Loss or damage, as a result of theft accompanied by forced entry into or exit from any building.
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Office Content Insurance

OFFICE CONTENTS
Covers all moveable office contents excluding and electronic data processing equipment. Will include limited extensions for accidental damage, theft cover and loss of documents.

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MONEY

Loss of money as a result of theft or robbery.

GLASS

The loss of or damage to glass of fixed property.

FIDELITY GUARANTEE (THEFT BY EMPLOYEES)

Loss of money and or property stolen by an insured employee as well as direct financial loss as a result of fraud committed or dishonestly of an insured employee/director.

GOODS IN TRANSIT

Loss or damage to goods carried by the insured.

ELECTRONIC EQUIPMENT

Comprehensive Cover for any data processing equipment.

MACHINERY BREAKDOWN

Cover provides compensation for losses and additional costs for accidental damage that cause machines to fail, despite all efforts to regularly maintain and service the machine.

MACHINERY BREAKDOWN BUSINESS INTERRUPTION

Cover for reduction in profits as a result of a machinery breakdown.

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Directors and Officers

DIRECTORS & OFFICERS
Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers for legal liability to employees, vendors, competitors, investors, customers, or other parties, for actual or alleged negligent acts in managing a company
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Business Vehicle Insurance

MOTOR Loss of or damage to any vehicle insured as a result of any accident, theft or misfortune unless limited cover is taken, as well as liability to third parties. Vehicle Sums Insured (the actual value you have insured your vehicle(s) for) should be calculated on their current Retail Values unless otherwise noted.
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Business All Risk Insurance

BUSINESS ALL RISKS
Loss of or damage to the whole or part of portable property while anywhere in the world by any accident or misfortune not otherwise excluded.

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CONTRACTORS ALL RISK

Unlike a standard Public Liability policy which will only cover tradesman for damage caused to the third-party premises, Contractors All Risk Insurance will cover any damage caused to the building works, for example if there is an unexpected flood, storm, or fire, it will even cover for poor workmanship.

PLANT ALL RISK

Loss of or damage to construction plant and equipment from any cause whilst in storage, transit, on contract site and being use as a tool of trade.

SASRIA

SASRIA provides voluntary cover against unique risks such as civil commotion, public disorder, strikes, riots and terrorism to any individual, business, government, or corporate entity which has assets in South Africa.
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Other

PROFESSIONAL INDEMNITY
Professional indemnity (PI) insurance is liability cover for any organisation which provides a professional service or gives advice. This cover is designed to protect business owners, freelancers and the self-employed against a claim for negligent service or advice.

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CYBER

Network security breach – a Downstream attack, or Unauthorised Access to, Unauthorised Use of, Theft of Data from, Denial of Service Attack or transmission of Malicious Code to the Insured’s Computer System, including physical theft of the Insured’s Computer System, or any part thereof Privacy breach – means a breach of confidentiality, infringement, or violation of any right to privacy, which results in harm to employees or third parties.

BUSINESS INTERRUPTION

Covers lost profits and fixed expenses due to material damage events to your business assets. This cover will be in place for a fixed agreed period and/or until the business is back up to full operating capacity.

ACCOUNTS RECEIVABLE

Covers Money/Payments that you are unable to collect from your debtors in the event that your books of account are destroyed/stolen.
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We ensure that, as the Independent Trustee on your Trusts, you receive the most knowledgeable and effective trust administration possible. Our Attorneys and Accountants have specialised knowledge regarding a wide variety of legislation affecting your Trusts, including Tax.

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