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Commercial Insurance Advisory

Commercial Insurance for your business

1. Fire

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.

3. Office contents

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.

5. Accounts receivable

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.

2. Buildings Combined

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.

4. Business Interruption

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.

6. Theft

Theft

Loss or damage, as a result of theft accompanied by forced entry into or exit from any building.

7. Money

Money

Loss of money as a result of theft or robbery.

8. Glass

Glass

The loss of or damage to glass of fixed property.

9. Fidelity Guarantee

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.

10. Goods in transit

Goods in Transit

Loss or damage to goods carried by the insured.

11. Business all risks

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.

12. Accidental damage

Accidental Damage

Accidental physical loss or damage to the insured property not otherwise insured.

13. Public Liability

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.

14. Employers’ liability

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.

15. Product Liability

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.

16. Defective workmanship

Defective Workmanship

Covers legal liability to a third party arising from defective workmanship to the property worked upon this extension covers amounts that you become liable to pay due to damages or injuries caused to a third party by something you worked on and where the damage was caused by defect error or omission made during such work.

17. Retroactive Cover

Retroactive Cover

If there have been no interruptions to cover, this can be carried over from your existing insurer. Cover protects the insured against valid claims that may have arisen in previous periods that the insured is not currently aware of.

18. Stated Benefits

Stated Benefits

Death or bodily injury to your employees. Payable to the business based on annual earnings.

19. Group personal accident

Group Personal Accident

Death or bodily injury to your employees. Payable to the business based on fixed amounts.

20. Motor

Motor

Loss of or damage to any vehicle insured as a result of any accident, theft or misfortune unless limited cover is taken, as well as liability to third parties. Vehicle Sums Insured (the actual value you have insured your vehicle(s) for) should be calculated on their current Retail Values unless otherwise noted.

21. Machinery Breakdown

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.

22. Machinery breakdown business interruption

Machinery Breakdown Business Interruption

Cover for reduction in profits as a result of a machinery breakdown.

24. Electronic Equipment

Electronic Equipment

Comprehensive Cover for any data processing equipment.

25. Cyber

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.

26. Motor Traders

Motor Traders (Internal & External Risk)

Comprehensive cover for vehicles belonging to motor traders, or in the custody & control of motor dealers, repairers or other businesses related to the motor industry, own damage as well as liability to third parties, vehicles on the road or on the insured premises.

27. Directors and Officers

Directors & Officers

Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers for legal liability to employees, vendors, competitors, investors, customers, or other parties, for actual or alleged negligent acts in managing a company.

28. Contractors All Risk

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.

29. Professional Indemnity

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.

30. Plant All Risk

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.

31. SASRIA

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.

1. Fire
3. Office contents
5. Accounts receivable

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.

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.

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.

2. Buildings Combined
4. Business Interruption
6. Theft

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.

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.

Theft

Loss or damage, as a result of theft accompanied by forced entry into or exit from any building.

7. Money
8. Glass
9. Fidelity Guarantee

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.

10. Goods in transit
11. Business all risks
12. Accidental damage

Goods in Transit

Loss or damage to goods carried by the insured.

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.

Accidental Damage

Accidental physical loss or damage to the insured property not otherwise insured.

13. Public Liability
14. Employers’ liability
15. Product Liability

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.

16. Defective workmanship
17. Retroactive Cover
18. Stated Benefits

Defective Workmanship

Covers legal liability to a third party arising from defective workmanship to the property worked upon this extension covers amounts that you become liable to pay due to damages or injuries caused to a third party by something you worked on and where the damage was caused by defect error or omission made during such work.

Retroactive Cover

If there have been no interruptions to cover, this can be carried over from your existing insurer. Cover protects the insured against valid claims that may have arisen in previous periods that the insured is not currently aware of.

Stated Benefits

Death or bodily injury to your employees. Payable to the business based on annual earnings.

19. Group personal accident
20. Motor
21. Machinery Breakdown

Group Personal Accident

Death or bodily injury to your employees. Payable to the business based on fixed amounts.

Motor

Loss of or damage to any vehicle insured as a result of any accident, theft or misfortune unless limited cover is taken, as well as liability to third parties. Vehicle Sums Insured (the actual value you have insured your vehicle(s) for) should be calculated on their current Retail Values unless otherwise noted.

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.

22. Machinery breakdown business interruption
24. Electronic Equipment
25. Cyber

Machinery Breakdown Business Interruption

Cover for reduction in profits as a result of a machinery breakdown.

Electronic Equipment

Comprehensive Cover for any data processing equipment.

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.

26. Motor Traders
27. Directors and Officers
28. Contractors All Risk

Motor Traders (Internal & External Risk)

Comprehensive cover for vehicles belonging to motor traders, or in the custody & control of motor dealers, repairers or other businesses related to the motor industry, own damage as well as liability to third parties, vehicles on the road or on the insured premises.

Directors & Officers

Directors and officers (D&O) liability insurance protects the personal assets of corporate directors and officers for legal liability to employees, vendors, competitors, investors, customers, or other parties, for actual or alleged negligent acts in managing a company.

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.

29. Professional Indemnity
30. Plant All Risk
31. SASRIA

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.

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.

Download our Commercial Insurance Brochure

Call us on 010 443 4641

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