Business Owners

Business & Commercial

Contractors & Plant

Body Corporate

Restaurant Zone

Motor Fleets

Special Risks

Liabilities

Additional Services

Business & Commercial

Insurance Zone Commercial Insurance Business Insurance

Comprehensive insurance solutions that cater to commercial enterprises of any size, in any sector. Based on Insurance Zones market-leading policy wordings this offering is designed with various sections of cover to meet the needs of businesses operating in today’s world. Insurance Zones strong ethos of risk management and advice-based products means that cover can be customised with business-specific extensions to suit your business perfectly.

Key areas of cover for a commercial enterprise of any size, in any business sector.

  • Material damage to buildings, plant and machinery, stock, fixtures and fittings and office contents.
  • Loss of profits following business interruption. Insure your Gross profit, standing charges and additional increased costs of working following a loss
  • Liabilities – Loss or damage to third party property or persons in the course of business for which the insured could be held responsible or negligent.
  • Good In Transit – All Risk cover
  • Electronic equipment
  • Money
  • Business All risks – Equipment leaving your premises to complete work away in the field
  • Machinery and plant breakdown
  • Deterioration of stock
  • Commercial crime or Fidelity guarantee – Theft, loss or fraud committed by employees
  • Accident and health for your workforce

Included in every Commercial policy:

  • Damage to buildings (as a consequence of theft)
  • Claims preparation costs
  • Power surge cover (available under Fire, on request)
  • Geyser cover* (under combined sections of Fire & Building)
  • Accidental building damage (under Building Combined)
  • Business interruption (additional increase in cost of working)
  • Electronic equipment incompatibility and data reinstatement
  • Theft of safes and other secure valuables storage containers
  • Legal defence and wrongful arrest costs (under Public Liability)

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 enterprise of any size, in any business sector.

  • Entire contract value including free issue materials
  • Contractors liability
  • Testing and commissioning
  • Surrounding property
  • Temporary storage
  • Subcontractors
  • Difference in conditions

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).

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

Liabilities

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.

Automatically included under broadform liability is:

  • Work away cover
  • Defective workmanship cover
  • Products liability cover
  • Employees liability cover
  • Beauticians/hairdressers liability cover

Extra cover available:

  • Goods in the care custody and control of the insured
  • Product inefficacy
  • Product recall
  • Professional indemnity
  • Medical malpractice

Insurance Zone liability package:

Either offered as a stand alone product or as an add on to existing commercial policy, the following can be added.

  • Broadform liability R30 000 000
  • Directors and officers liability R5000 000
  • Cyber liability R1000 000
  • Employment practices liability R250 000

Additional Services

Key areas of cover:

  • Travel insurance including kidnap and ransom cover
  • Specialised school products
  • Classic cars and collections
  • Mining and energy risks
  • Commercial crime
  • Commercial drone cover
  • Golf course cover – Including greens and tee boxes