Our Business & Corporate Insurance Offerings

Multiperil Policy

The Multiperil policy is a simple policy, that offers multiple covers. For instance, a multi-peril policy may cover fire, vandalism, theft, water damage, etc



Buildings Combined

This is similar to the Householders policy but it is designed to cover business premises. Eg. Banks, Offices, Churches, Colleges etc.



Immediate Family Cover

This cover is available to the Main Member, for up to two of his/her spouses and eight children. The waiting period for this cover is six months.



Assets all risks Insurance

These policies are known as “Industrial All Risks and Accidental Material Damage” These policies are designed for very large Corporate Companies. They provide a wider cover than the normal Multiperil Policy.



Extended Family Cover

This benefit can be taken in addition to the Immediate Family or Main Member Only Cover.



Fidelity Guarantee Insurance

This class of business is specifically designed to deal with fraud and theft by employees. It does not only cover theft of money but also theft of stock and goods.



Broadform or  Public Liability

Broadform liability insurance provides protection for a business for legal liability

to pay damages arising out of injury or damage caused to third parties or their

property during the performance of the business.

The broadform liability policy is

extremely comprehensive and has many sections of cover and extension.



Professional Indemnity Insurance

Often referred to as PI insurance, professional indemnity provides protection to ensure the financial wellbeing, safety and even survival of the insured business in the aftermath of negligence and damages claims brought by third parties.



Employment Practises Liability

Insurance protection for employers covering:

  • Legal fees

  • Damages

  • Awards

  • Settlements

Following an allegation of:

  • Unfair dismissal

  • Sexual harassment

  • Discrimination

  • Failure to employ

Brought about at:

  • The CCMA

  • Bargaining Council

  • Labour Court

  • Arbitration Proceedings



Machinery Breakdown / Engineering

Machinery Breakdown (MB) Insurance offers protection against sudden and unforeseen physical loss or damage to machinery, which has been erected and is operational or at rest. It is 'accident' insurance for machines – for internal breakdown or derangement.



Motorfleet or Taxis

The Motor fleet policy provides cover for companies that have a large number of vehicles. Comprehensive Taxi Insurance coverage including passenger liability.



Director and Officers Liability Insurance (D&O)

D&O offers protection against management errors or omissions that may be attributed to the management decisions and policies of the insured. The coverage can extend to defense costs or expenses arising from criminal, civil, or regulatory investigation. This policy is unusual in that it is issued in thename of the business but the insuredparties are actually the directors andsenior management officials in theirpersonal capacity.



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