Business Owners

Business & Commercial

Contractors & Plant

Body Corporate

Restaurant Zone

Motor Fleets

Special Risks


Additional Services

Business & Commercial

Insurance Zone Commercial Insurance Business Insurance

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.

Offering comprehensive cover for exposure that could affect a commercial enterprise of any size, in any sector, this product can be tailored to needs and budget. Cover includes:

  • Property – buildings and associated fixtures
  • Assets – comprehensive cover for all movable assets
  • Business interruption
  • Accounts receivable
  • Money
  • Glass
  • Accidental damage
  • Fidelity guarantee
  • Goods in transit
  • All Risks cover
  • Liabilities (Broadform)
  • Group personal accident
  • Motor
  • Electronic equipment

Extra cover that can be added on to any commercial policy:

  • Liability
  • Broadform Combined Liability
  • Asset All Risk

Contractors & Plant

Insurance Zone Commercial Insurance Business Insurance Contractors and Plant Engineering Insurance

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.

Key areas of cover for a commercial enterprises of any size, in the engineering, contractors and plant sector.

  • Contractors All Risks
  • Contractors liability
  • Plant hired in and out /  Plant hire costs following a claim
  • Machinery Breakdown
  • Various construction guarantees
  • Subcontractors
  • Rigging and lifting

Industrial Cover

Industrial risks comprising of manufacturing plants and industrial processes require specific extensions and structures. Due to the hazardous nature of these type of risks a strong risk management focus is leveraged to find solutions around already structured products.

Body Corporate

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).

Automatic cover included:

  • 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

Call Centre: 0861 467 966

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

Restaurant Zone

Insurance Zone Commercial Insurance Business Insurance Restaurant Cafe Fast Food Fine Dining Insurance

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.

Automatic cover includes:

  • Material damage
  • Business interruption
  • Theft Section
  • Money Section
  • Electronic Equipment
  • Public Liability
  • Accidental Damage

Motor Fleets

Insurance Zone Commercial Insurance Business Insurance Motor Fleets Transport Insurance

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.

Non-traditional structures can also be arranged as follows:

  • Premium declaration based fleets
  • Annual aggregates
  • Stoppers
  • Contingent liability risk financing models

Special Risks

Insurance Zone Commercial Insurance Business Insurance Special Risks

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.

Key areas of cover:

  • Buildings: commercial and domestic
  • Schools
  • Travel insurance
  • Liability
  • Executive vehicle policies
  • Professional indemnity
  • Directors’ and officers’ liability
  • Fidelity guarantee


Insurance Zone Commercial Insurance Business Insurance Liabilities

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.

Cover includes:

  • Directors and Officers’ Liability
  • Cyber
  • Employer Practices’ Liability
  • Funds Protect – Phishield

Broadform Combined Liability

Speak to your broker about the various tiers of Broadform Combined Liability each with their own limits and month premiums. This cover encompasses:

  • General & tenants
  • Defective workmanship
  • Products liability
  • Employers liability
  • Work away
  • Top up motor liability
  • Top up passenger liability
  • Top up property owners liability
  • Contingent Liability
  • Beauticians Liability
  • Food & Drink Extension
  • Spread of Fire Extension
  • Tool of Trade Extension

Additional Services

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.

Other areas where we can provide cover and tailor made solutions:

  • Travel insurance including kidnap and ransom cover
  • Specialised school products
  • Classic cars and collections
  • Mining and energy risks
  • Commercial crime
  • Commercial drone cover
  • Golf courses including greens and tee boxes
  • Grassed sporting facilities
  • Agriculture and farming enterprises
  • Hospitality such as game lodges, B&Bs etc.