Fire

Under this section you are covered against damage to the whole or part of your property by fire, lightning, or explosion. It also covers stock.

Buildings

Under this section you are covered against damage to the whole or part of your buildings on you property by fire, lightning, storm, or impact.

Office Contents

Under this section you are covered against loss of or damage to the contents of your building including fixtures and fittings.

Business Interruption

Under this section you are covered against losses following the interruption of business activities, such as loss of profits, rent, etc.

Theft

Under this section you are covered against loss of or damage to all contents of any insured building as a result of theft.

Money

Under this section you are covered against any theft, loss of damage to money either on the insured premises or in the possession of an employee of the business.

Goods in Transit

Under this section you are covered against loss of or damage to property while being transported.

All Risks

Under this section we provide cover for items which are normally taken off the business premises, such as laptops, cell phones, etc.

Accidental Damage

Under this section you are covered against accidental loss of or damage to the insured property at/on the business premises.

Public Liabilty

Under this section you are covered against damages which the Insured is legally liable to pay as a result of accidental death of or bodily injury toany person or their property occuring on the insured premises or relating to the business.

Motor

Under this section vehicles are covered either individually (specified) or as a fleet depending on your business' needs. There is also a section for motor traders, such as dealerships or panelbeaters.

Electronic Equipment

Under this section we provide cover for all yoour business' electronic equipment such as computers, laptops, PABX systems, etc. These items must be specified. These items are insured against accidental damage, theft and loss of data.

As businesses vary, please contact your broker who will be able to advise you on your individual needs. If you do not have a broker, we will be happy to provide you with some suggestions.