Agriculture – Farms and Smallholdings
Our farmers are the heartbeat of our nation, putting food on our shelves. As a farmer, your time is spent running your business. There is no time to call around and collect and compare quotes. So, leave it to us to find you the right cover to protect your farm.
Do you have any of the following?
- Building
- Building contents
- Storage buildings
- Cows, studs and livestock
- Tractors
- Vehicles
- Crops
- Liability and other risks involved in running a business from your farm
- Pedigreed animals
- Centre-pivot and other irrigation systems
- Chemical overspray
- Motor vehicles
- Goods and cargo in transit
Risks you need to protect against
- Hail, wind damage, frost, excessive rainfall
- Drought and excessive heat waves
- Uncontrollable plant diseases and pests
- Consequential loss due to hail
- Fire and theft
- Machinery breakdown
- Business interruption
- Accidental damage
- Personal accident, group personal accident and stated benefits
Contact us for the appropriate advice and cover.
Body-Corporate and Office Buildings
Your property is your biggest asset, so protect it. Whether it is a complex run by a body corporate, a house that you occupy or rent out, or an office building you own or occupy – we have the insurance solution to help you cover your property against all possible risks.
Do you manage any of the following?
- Houses – private or owned by a company
- School
- Office building
- Complex
- Body-corporate scheme
- Warehouse
- Holiday home
- Church
- Shop or shopping centre
- Retirement village
Risks you need to protect against
- Cover on an all-risk basis
- Accidental damage
- Liability
- Trustees’ liability
- Fire
- Burst geysers
- Malicious damage
Contact us for the appropriate advice and cover.
Commercial and Small Businesses
Running a business is a great accomplishment and an even greater responsibility. Your business should therefore be protected at all costs. What if a fire breaks out? How will you pay your staff, your rent and other obligations? What if all your stock gets stolen?
Eliminate those “what ifs” and let us find the best cover for your business. No business is too small or too big for us to insure. From sole proprietors to nationwide enterprises – we have a cover solution for you.
Do you have any of the following?
- Laptops
- Computers
- Tools
- Equipment
- Vehicles
- Offices
- Cellphones
- Landline telephones
- Office furniture
- Office contents
- Stock
- Machines
- Trucks
- Service delivery to clients, such as installations or technical assistance
- Staff
- Goods in transit
- Electronic equipment
- Cash
Risks you need to protect against
- Fire
- Theft
- Business interruption
- Accidental damage
- Liability
- Machinery breakdown
- Deterioration of stock
Contact us for the appropriate advice and cover.
Engineering, Construction and Mining
Engineering, construction and mining are the foundation of most economies. So, while you work on the economy, let us work on protecting you against the risks specific to your environment. We’ll ensure that you are covered against the risks that can bring operations to a halt.
Do you have any of the following?
- Contracts that require contractor’s all-risk cover
- Machines
- Tractor loader backhoes (TLBs)
- Goods in transit
- Trucks
- Vehicles
- Cranes
- Pumps
- Air compressors
- Earth-moving equipment
- Applied electronics
- Renewable energy
- Plant and equipment
- Office content
- Stock, cash and glass
- Goods in transit
- Electronic equipment
- Motor vehicles
Risks you need to protect against
- Contract risks and public liability
- Machinery breakdown
- Deterioration of stock
- Dismantling, transit and erection (DTE)
- Plant all-risks
- Loss of profits
- Accounts receivable
- Fidelity
- Business all-risks
- Accidental damage
- Public liability
- Reduction in turnover
- Group personal accident
- Legal liability
- Business interruption
- Employer’s liability
Contact us for the appropriate advice and cover.
Motor, Fleet and Transport
Whether you have one car or truck, an entire fleet or transport passengers safely from point A to point B, we know that your business relies heavily on your vehicles. You need to protect your fleet at all times, which is why you need the best cover to get your vehicles back on the road after an incident.
Do you have any of the following?
- Motorcycles
- Light delivery vehicles (LDVs)
- Trucks
- Cars
- Transport of items
- School transport
- Safari vehicle
- Shuttle service
How do you stay protected?
- Comprehensive cover
- Limited cover – third-party, fire and theft
- Limited cover – third-party only
- Motor traders internal
- Motor traders external
Risks you need to protect against
- Goods in transit
- Third-party liability
- Contingent liability
- Parking facilities and movement of third-party vehicles
- Unauthorised passenger liability
- Environment impairment liability
- Mechanical breakdown towing
- Towing costs
- Wreckage removal
- Fire extinguishing costs
- Cross-border towing
- Medical costs of driver and passengers
- Loss of keys
- Loss of use
- Fixed expenses
- Personal accident
Contact us for the appropriate advice and cover.
Hospitality, Leisure and Entertainment
You have a flair for hospitality and earn a living serving gourmet meals or accommodating and entertaining guests. With comprehensive cover in place, you can continue doing what you do best, while we take care of the rest.
Do you have any of the following?
- Guesthouse
- Bed-and-breakfast
- Hotel
- Game farm
- Restaurant
- Coffee shop
- Bakery
- Lodge
- Holiday home
- Catering business
- Golf course
- Wedding venue
Risks you need to protect against
- Deterioration of stock
- Damage to external signage (away from the premises)
- Power surge damage
- Theft from customers during armed robbery
- Specific protection for franchisees and franchisers
- Cancellation of bookings
- Damage to landscaping and water features
- Guest transfer
- Guest effects stolen during a robbery
- Loss of attraction and specified tourist attractions
- Public liability
- Loss of use/timeshare levies
- Business and householder’s cover
Contact us for the appropriate advice and cover.
Marine and Aviation
Whether you have a fleet of aeroplanes, a crop duster, drone, boat or ship, we have the right cover to protect you. While you take to the sea and skies, we will take care of your insurance.
Do you have any of the following?
- Pleasure craft
- Yacht
- Ship
- Corporate aircraft
- Experimental aircraft
- Agricultural aircraft
- Gliders
- Microlights
- Drones
- Hangar
- Transporting containers
Risks you need to protect against
- Once-off goods-in-transit (GIT) cover
- Aircraft hull all-risks
- Comprehensive or ground risk
- Aircraft hull war risk limit of indemnity
- Third-party legal liability cover
- Passenger legal liability
- Marine cargo, including imports and exports
- Hull, including commercial, fishing and pleasure craft
- Transit and related liabilities, including goods in transit and haulier’s liability
- Marine liability, in the event of legal owner or employee liability
- Hangar liability
Contact us for the appropriate advice and cover.
Liability and Indemnity
If you provide advice or perform a service, you are exposed to lawsuits should things go wrong. To prevent you and your company from being crippled by legal fees, we will advise you on appropriate cover.
Do you have any of the following?
- Financial institution(s)
- Medical practice(s)
- Legal practice(s)
- Company directors
- Trustees
- Professionals
- Website(s)
- Electronic data
- Directors or employees that travel often
How do you stay protected?
- Cyber-insurance
- Business travel insurance
- Multimedia liability
- Security and privacy liability
- Public liability
- Professional indemnity
- Product liability
Risks you need to protect against
- Kidnap and ransom
- Medical malpractice
- Contractual penalties
- Employee dishonesty
- Computer fraud
- Extortion
- Data extortion
- Fraudulent transfer instructions
- Technology and miscellaneous errors and omissions
- Data recovery and loss of business income
- Privacy regulatory defence and penalties
- Acts, errors and omissions
- Negligence
- Breach of duty
- Legal fees
- Theft and fraud
- Third-party computer crime
- Personal accident
Contact us for the appropriate advice and cover.
Shops, Retail and Franchises
Catering to shoppers’ needs is challenging. While you dress the shop windows, we’ll cover your business with a custom-made solution.
Do you have any of the following?
- Retail shop
- Fast food/takeaway shop
- Grocery shop
- Bottle store
- Retail franchise
- Restaurant franchise
- Office contents
Risks you need to protect against
- Fire and allied perils
- Buildings combined
- Business interruption
- Accounts receivable
- Theft
- Money
- Business all-risk
- Specialised liability
- Public liability
- Machinery breakdown and deterioration of stock
Contact us for the appropriate advice and cover.