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Get tailor-made business insurance quotes for your specific type of company. Having insurance that caters to your unique needs means you won’t have to pay more for cover you don’t need. Over-insured businesses pay unnecessarily high premiums.

You can save money, time, and effort by getting the policy that best suits your organisation. We make it easier than ever! Just fill in our online form. Our innovative technology matches you with the ideal insurance company for your unique requirements, and they will call you!

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Why is Having Business Insurance Important?

Theft, loss, and accidents can have a massive financial impact on your business’s future. In fact, some medical bills or third-party claims can close small business doors. Insuring against unforeseen events is the smart way of protecting your company’s future.

 How Does Business Insurance Work in South Africa?

An insurer agrees to cover you for predetermined risks, and in return, you pay a monthly fee. To determine this monthly premium, insurers assess your business’s risk profile. If an insured event like business interruption or damage in transit occurs, your insurer should pay out.

You can insure your business vehicle, staff, buildings, and more immaterial risks like data corruption and fraud. Cover electronic equipment and key persons in your organisation. Or get professional liability insurance to cover you when a disgruntled customer or client brings a claim against you in your professional capacity.

 Types of Business Insurance

Courier companies and companies in the deliveries industry can benefit from this type of cover. From your fleet to your employees on the road, this cover is designed to protect your business. Comprehensive plans can include forms of liability cover, personal accident cover, vehicle insurance, and more.

Sometimes third parties may feel the service the insured provided was lacking, negligent, or poor in quality and resulted in loss or damages. Clients or customers can then institute claims against the insured for such losses, whether financial, physical, or emotional. The process of dealing with claims can be lengthy and costly. Good professional indemnity policies will include cover for legal costs and settlement amounts.

In South Africa, asset insurance is designed to cover risks relating to the assets owned by your company, business, or organisation. The insured company often needs to supply a list of assets and their values. If an insured event occurs and assets are damaged, lost, or stolen, the insurer usually pays out an amount for the repair or replacement of the asset. You can buy asset insurance as a standalone product, but often it forms part of a combined business policy.

If you or one of your employees cause harm, loss, or damage or if someone gets injured on your business premises, they can claim against you for the financial implications. Liability policies cover risks related to third-party claims involving your business.

You can get a plan tailor-made for your beauty salon in South Africa! From employee issues to stock theft, this type of plan covers all the risks unique to your situation. It could even cover faulty hair dryers or expired hair dye!

A handyman faces unique challenges every day. You may fall off a ladder and get injured, or your ladder could fall onto your client, leaving you with medical bills to cover. Get a policy that caters to your needs and budget.

Buildings insurance can cover commercial or private property. In the context of business, buildings insurance covers risks related to the property owned by the insured business, company, or organisation. This property can include the physical structure and installed machinery or equipment. Should an insured event occur that leads to damage or loss of the insured property, the insurance provider should compensate for its repair or replacement.

Policies differ, and what is covered may not be the same on each policy. This type of policy is meant for commercial structures like factories, stadiums, parks, malls, churches, warehouses, and schools.

Fleet insurance mitigates risks related to the vehicles owned by the insured company or organisation. If a car or truck owned by the insured is involved in an accident or its driver causes damage, death, or loss, the insurance provider should cover it. This type of policy is important for logistics companies but also vital for any business that owns motorised vehicles. Policies can cover only third-party claims or can be more comprehensive.

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