A Broker is an independent professional, who will work on your behalf to obtain an insurance policy that best suits your need.
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A cause of loss or damage. e.g. fire, theft, flood or hail.
Compulsory political riot and strike insurance.
A discount in premium based on the number of claim free years.
Simply put, valuations are important as firstly they confirm the value of the items in question and more importantly, at the time of a loss, they confirm ownership.
This is a payable portion of any claim you make or the amount you agree to pay (per claim) towards the cost of your insured loss.
To avoid the processing of small or minor claims where the administrative costs are the same as when processing larger claims.
Use the formula of square metres x current building costs. When you calculate the replacement value of the building/s you must include architect’s fees, local authority license fees and all other incidental costs involved in the replacement of the building, thus advisable to add about 15% to the calculated cost.
As a Tenant you still need insurance coverage for your contents (e.g. clothing, dishes, furniture etc.) as well as for liability exposure.
Business Insurance SolutionsDesign your Insurance portfolio out of a bouquet of insurance products catering for the individual as well as business needs in today's risk climate.
Fire and Allied Perils Insurance, Business Interruptions Insurance, Fidelity Guarantee Insurance, Liability Insurance, Accidental Damage Insurance, Accounts Receivable Insurance, Buildings Combined Insurance, Business All Risks Insurance, Theft Insurance, Money Insurance, Glass Insurance, Goods in Transit Insurance, Motor Insurance, Office Contents Insurance, Sasria Insurance, Body Corporate and Trustees Indemnity.
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Insurance for You:
Damage caused by fire, lightning, explosions, storm, wind, water, hail, snow and other hazards can result in major damage to your business. A Fire and Allied Perils Insurance policy will provide cover for company property and goods owned or insured by you including plant machinery, fittings and fixtures plus tenant improvements.
It can be difficult to recover from major unforeseen events. Business Interruptions Insurance, also known as loss of profits cover, will cover you in event of loss of income following a disaster. The profits plus standing charges are trigged by the fire, office contents, buildings combined or any other material damage section covering the interest of the insured.
Embezzlement and theft by employees can leave your business vulnerable to losses and legally liable for their fraudulent activities. Fidelity Guarantee Insurance indemnifies the insured (the employer) for loss of property or money affected as a result of dishonesty, fraud or theft by an employee in the duty of their employment.
A business needs cover against any accident or incident occurring while it is operational. Liability may arise as a result of illness, injury or death of a person, or due to loss or damage to tangible property in connection with the business. This type of policy provides cover for legal defence costs resulting from legal action brought against any of your employees or yourself as the business owner.
Accidents can happen at your business premises on any given day. Accidental physical loss of or damage to your property can potentially harm business operations or even your bottom line. Accidental Damage Insurance is the product that will provide adequate business cover for accidental damage and for property not more specifically insured.
Electronic equipment such as computers, laptops and so forth are important for the successful and efficient operation of most businesses. Electronic Equipment Insurance covers physical loss or damage caused to any electronic equipment used in business operations due to a power surge or lightning, theft or accidental damage. It also covers such equipment in transit or while being stored at any premises en route, for a limited period.
If your business issues credit to clients, you will need Accounts Receivable Insurance. It will protect your business against the possibility of loss or damage to your accounting records at your premises which may render your business unable to trace outstanding debt balances owing to you. Unpaid debt as a result of lost records of accounting is covered by this insurance.
Damage caused by fire, lightning, explosions, storm, wind, water, hail, snow and other hazards to buildings including all outbuildings, landlord fixtures and fittings, walls, gates, paved road and parking areas are covered by this type of policy. It includes accidental damage and theft up to 25% and loss of rent.
Business All Risk Insurance doesn't just include cover for when you are operating from your premises but also when you are anywhere else in the world. If you often travel for business, you can rest assured that your business goods are comprehensively covered.
Robbery, burglary or larceny accompanied by forcible or violent entry into, or exit from, your premises plus the resultant damage is covered by Theft Insurance. Cover for loss of, or damage to all contents of any insured building at your premises described in the schedule is on a first loss basis (average does not apply).
This policy covers loss of money, both at your premises and in transit (to and from the bank). Money stored in a safe at night is covered under this policy but it depends on the safety rating of your safe.
As an incredibly vulnerable substance, glass is prone to accidental damage or breakage. It is worthwhile insuring against any loss or damage to internal and/or external glass, including sign writing.
Transporting goods in South Africa exposes your business to the risk of lost or damaged goods due to theft, hijacking, accidents, fire or another related event. Local Goods in Transit Insurance will ensure that you can recover this loss without it affecting your business detrimentally.
During the course of their employment, your employees are your responsibility. Personal Accidental Insurance for businesses provide cover for any accidental bodily injury for all specified employees of the business.
This type of policy provides cover for passenger vehicles, light delivery vehicles or motorcycles used for the purpose of pleasure, or professional or business use against loss or accidental damage including theft, hijacking or lost keys. Damage to any specified vehicle plus its spare parts and accessories are included. It also includes third party liability.
Motor Traders Insurance offers an internal risk policy (while on the business premises) and an external risk policy (in the course of a journey outside of the business premises); both options include third party liability.
Valuable office contents need to be insured against theft and damage to documents due to fire, storm, water and other related perils; it includes theft and loss of rent up to 25% of the insured amount. This type of insurance excludes computer equipment.
Loss of, or damage to business property as a result of rioting, strikes or any public disorder is covered by Sasria Insurance.
Body corporates need to have adequate insurance to protect against theft, damage to boundary walls, entrance gates, security systems, gate motors and irrigation systems. This insurance also includes buildings and common property for the replacement of each owner's section.
This provides cover for trustees for when they become legally liable as a result of any wrongful act, error, misstatement, act or omission, neglect or breach of duty committed; attempted or allegedly made. It covers trustees currently serving on a body corporate.