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
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.
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.
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.
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.
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.
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.
Directors and Officers
Business Vehicle Insurance
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.
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.
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.
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.