Goods In Transit Insurance
For businesses involved in transportation, logistics, distribution, manufacturing, and trading, the movement of goods represents a significant financial risk. Goods In Transit Insurance provides protection against loss of or damage to goods while being transported from one location to another. Whether goods are transported by road, rail, air, or sea, this cover helps safeguard your business against unforeseen events that may result in financial loss. Cover Includes: Accidental Damage During Transit Theft and Hijacking Fire and Explosion Collision and Overturning of Vehicles Loading and Unloading Risks Loss of Goods in Transit Damage Caused by Natural Disasters Cross-Border Transit Cover (where applicable) protect my load and alternative transport
Business All Risk Insurance
Business All Risk cover protects movable business assets that are frequently used away from the business premises.
Cover Includes:
Laptops | Computers | Mobile Devices | Tools and Equipment | Cameras | Portable Machinery | Electronic Equipment
Ideal for professionals, contractors, consultants, and businesses that rely on portable assets to operate.
Property Insurance
Residential Buildings | House Contents | Boundary Walls | Swimming Pools | Boreholes | Solar Installations | Outbuildings and Garages | Fixed Structures
Commercial :
- Geyser Cover
- Storm Damage Protection
- Fire and Explosion Cover
- Theft and Burglary Cover
- Water Damage Cover
- Alternative Accommodation Assistance
We also provide specialist solutions for high-value residential properties requiring enhanced protection.
BUSINESS INTERRUPTION
Business interruption (BI) cover is a type of insurance that protects businesses from financial losses incurred as a result of unexpected events or disasters that disrupt normal operations. Here’s how it generally works: It covers the financial losses that a business suffers due to a covered event, such as a fire, natural disaster, or other unforeseen circumstances. These losses may include lost revenue, additional expenses incurred to continue operations, and fixed costs like rent or salaries. The cover is usually triggered by specific events that cause a temporary halt or slowdown in business operations. These events are typically outlined in the insurance policy and may include damage to property, equipment breakdown, or civil authority orders that prevent access to the business premises.
BODY CORPORATE
This Cover is suitable for Property owners, Residential and Commercial trustees of a complex or office Park, Sectional Title owners and others. Body Corporate Insurance policy covers the building(s), all fixtures and fittings of permanent nature, liability and indemnity insurance against perils that are specified in the Act, as well as other perils that the members may decide are required to include such as Loss of rent.
What are the common issues sectional titles claim for? • Geyser-related issues • Storm damage (with specific reference to the KwaZulu-Natal floods)
Business Contents Insurance
Your business contents are essential to your daily operations and represent a significant financial investment. Business Contents Insurance provides protection against accidental loss, theft, or damage to the movable assets within your business premises, helping you recover quickly and continue operating with minimal disruption.
Whether you own a retail store, office, warehouse, factory, or workshop, our tailored solutions ensure that your valuable business assets are adequately protected against unforeseen events.
MARINE INSURANCE
Marine insurance is a type of insurance that provides coverage for Ships, Vessels, Cargo, and other Maritime-related risks. It protects Shipowners, Cargo Owners, and other stakeholders against financial losses resulting from various Perilsencountered during sea voyages
Our range of solutions Cover for: PERILS:
• Stock throughput • Marine cargo (includes imports and exports) • Transit and related liabilities (includes goods in transit, hauliers’ liability) • Hull (includes commercial, fishing and pleasure craft) • Marine liabilities
AGRICULTURE INSURANCE
Agri-Insurance is an insurance product specifically designed to protect different types of Farmers and Agricultural Producers against the financial losses they may incur as a result ofunforeseen events. PERILS: 1.Crop Insurance: Protects farmers against losses in crop yields or revenue due to natural disasters such as droughts, floods, hailstorms, or pest infestations. 2.Livestock Insurance: Provides coverage for losses in Livestock due to Diseases, Accidents, or Natural disasters. Perfect, customisedsolution to match your specific needs. • Livestock and Game insurance • Crop protection • Fire insurance protection • Farm assets • Tools insurance • Personal accident insurance • Vehicles and trailers insurance
CYBER INSURANCE
Cyber insurance, also known as cybersecurity insurance or cyber risk insurance, is a type of insurance coverage designed to protect businesses against financial losses and liabilities resulting from cyberattacks, data breaches, and other cyber incidents. As businesses increasingly rely on digital technologies and data-driven processes, the risk of cyber threats has become a significant concern, making cyber insurance an essential component of risk management strategies.
Cyber offering is a combination of first and third party covers that respond to a data breach or a cyber incident see below: • Data breaches • Cyber incidents • Cyber cover and extensions
MONEY INSURANCE
Whatever industry you may operate in, small to medium enterprises will often require transportation and control of large amounts of cash, both within and outside the company’s premises. Should this be a requirement of your company, all-encompassing Money Insurance will provide protection against physical loss of money resulting from theft
What does Money Insurance provide cover for? • Cash • Bank notes • Currency notes • Cheques • Postal orders • Money orders • Credit card vouchers • Valued documents.
Liability Insurance
Liability claims can result in significant legal and financial costs. Our Liability Insurance solutions provide protection against claims made by third parties.
Cover Includes:
Personal Liability | Public Liability | Property Damage Liability | Bodily Injury Liability | Legal Defence Costs
This cover protects individuals and businesses from unexpected legal expenses and compensation claims.