Commercial or Business Insurance in South Africa

Commercial Insurance, often referred to as Business Insurance, protects your businesses from losses due to events that may occur during the normal course of business.

Does your Business Insurance cover Personal Accident?

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You've worked hard to ensure the success of your business, where running your own businees can be quite a risky affair, but can you be assured of its prosperity going forward?

There are many risks that could determine your success, like damages, loss and theft to your stock and offices, as well as the constant threat of litigation. You don't have to be vulnerable to these threats - that’s why you need business insurance.

The commercial, or business insurance needs and requirements, will be different for each business owner. Insuring your business against a host of vulnerabilities outside of your control, will give you peace of mind and protect your business.  

Most commercial or business insurance policies offer similar cover options, but you need to search the market for the best option for your particular needs.

These options may be confusing...

In fact, the smartest thing you can do is -- Get a specialist broker to do it for you!
Also note the following guidelines and considerations with regards to Commercial or Business Insurance

Business (or Commercial) Insurance policies may also offer the following:

  • Public Liability: This covers your business against third party claims related to your business.
  • Business Interruption: If something unexpected happens and your business cannot function normally, it would cover you for the interruption and in doing so, help towards retaining margins.
  • Business All Risk: This will protect your business assets whilst not on the premises. Like a staff members laptop being used out of the office for example.
  • Fire: It is important to have this cover as a fire can ruin a business without it. Some products may even cover the costs, like architects (rebuild), extinguishing, as well as a few other benefits.
  • Office Furniture: Cover for your furniture, documents (most exclude data retrieval).
  • Theft by Employee: Covers theft and fraud by employees, also known as fidelity guarantee.
  • Building: Covers the insured building, fixtures and fittings.
  • Glass: Covers you for the accidental breakage of glass associated with the risk.
  • Personal Accident: Covers business owners' employees against injuries sustained at work.
  • Accidental Damage: Unique cover for business goods against accidental loss or damage.
  • Some business insurance policies offers cash back bonuses or other forms of rewards when not claiming.
  • Some insurers may have many other policy extensions available to the business insurance policy. For example, group personal accident for directors and shareholders in the event of death or disablement and medical expenses due to an accident.
  • Some insurers have structured niche specialist products for certain business insurance risks (dentists, doctors, tourism, leisure, guesthouses, etc).
Are you covered for Business Interruption Insurance?
Are you covered for Business Interruption and Fire?
 Public Liability and Business Risk Insurance

Public Liability takes care of third party claims
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