Business Owners

Our business and commercial solutions are geared to provide businesses with products which have been developed according to specific needs of specific industries. Changing business operating conditions and legislation have driven our products and product development towards an environment which caters for traditional as well as new and futuristic risks. With a strong ethos of risk management and advice based products our commercial solutions offer the following market leading products.

This cover is designed to replace, repair or reinstate contracts which are underway in the engineering and construction market. This encompasses everything from minor home renovations to large-scale property development, as well as the installation, relocation, testing and commission of machines or large plant within factories and the industrial sector. Plant and yellow metal is offered on an All Risk basis and is available for replacement under market value, new replacement value or agreed values.

Designed with all buildings, sectional titles and homeowners’ associations in mind, this product offers full cover for buildings and associated liability exposure. It aims to meet the insurance needs of sectional title properties, residential complexes and commercial complexes (non-manufacturing).

• Accidental damage
• All Risk garden equipment & gate motors
• Employers liability
• Glass
• Geyser maintenance
• Locks & keys
• Malicious damage
• Removal of trees
• Theft of fixtures & fittings
• Trustees liability

Access to our 24-hour call centre for standard and solar geyser emergencies

Standard geyser  |  R 1 500
Solar geyser |  R2 500
Geyser maintenance |  R 250
Resultant water damage |  R 750
Accidental damage |  10% minimum R2 000
Shade cloth |  R 500
Lightning excess |  R 2 000
All other losses unless otherwise stated on the schedule |  R1 000

Our Restaurant Zone product has been specifically designed to cater to anything from Fast food outlets right up to Fine dining establishments. Industry specific covers have been automatically included with the ability to buy additional cover if required. This product specifically caters for all size restaurants, franchise restaurants and fast food outlets.

We offer various ranges of comprehensive cover for corporate motor fleets, including associated liability risks. Tailor-made solutions are available to incorporate aggregate excesses and deposit premium/burning cost options.

Some clients require tailor-made insurance. Insurance Zone combines the passion of forward-thinking problem-solving with the assurance of trustworthy, time-tested insurance. You bring us the What, we’ll figure out the How. We will consult and structure unique solutions in the risk finance and contingent liability spaces. This allows for non-traditional thinking and structures to be implemented to the risk programme.

With non-tangible risks and exposure claims on the increase, Insurance Zone offers a comprehensive liability programme that can act as a stand alone or be combined with our commercial and business offerings. Changing legislation, multiple lines of exposure from third parties and employees and new cyber disruptor risks have created the need for Insurance Zone to design and underwrite complete package liability cover products that carry the necessary extensions to safeguard business today and in the future.

We attend to every aspect of the insurance process from start to end. We are able to design our own unique range of products and cover, which we’re constantly developing and improving. This means we can offer clients cover in almost every conceivable area of insurance — from cars, cranes and drones to vacation homes
and everything in-between.