Commercial Insurance

Tailored Solutions for Industry-Specific Needs

Personal Insurance

We offer market-leading commercial solutions
designed for the specific needs of your industry.

We specialise in commercial solutions, providing businesses with products meticulously developed to address the unique challenges and opportunities within their specific industries. We prioritise risk management and offer market-leading products backed by expert advice.

Commercial

Industrial

Motor Fleet

Asset All Risks

Body Corporate

Restaurant Zone

Hospitality

Liabilities

Agri & Marine

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

  • Money including Accounts receivable

  • Glass

  • Accidental damage

  • Fidelity guarantee

  • Goods in transit

  • All Risks cover

  • Liabilities (Broadform)

  • Group personal accident

  • Motor including retail value extender

  • Electronic equipment

  • Loss of use 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.  

We offer various comprehensive covers for corporate motor fleets, including associated liability risks. Tailor made solutions are available to incorporate aggregate excesses and deposit premium/ burning cost options as well as Alternative Risk Transfer (Self Insurance Funding)

Assets All Risk products are designed for large commercial operations with multiple premises, large sums insured with multiple exposures and technical risk management needs.

By combining material damage and loss of profits exposures on an all risk basis with sub limits and extensions the product provides wider cover with less administrative burden on the broker and client hence allowing a risk programme which meets the requirements of large commercial clients.

Designed with Sectional Titles and Home Owner 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), including all important geyser maintenance as well as 24 hour emergency assist lines with various contractors support.

  

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.

A class leading product designed for hospitality risks which caters for the unique exposures created in the hospitality industry. Hotels, game lodges, air B&B and bed and breakfast risks are to name a few hospitality type risks that would benefit from this product. Due to the unique risks and exposures found in this industry, we have partnered with specialised Hospitality underwriters to offer you a unique bouquet of hospitality products with the ability to structure the policy to cater for your client’s needs.

We offer specialist products for Hotels, Lodges, Guesthouses, Bed and Breakfasts, Tour operators and more.

  • Broadform cover inclusive of products, defective workmanship and employees liability
  • Cyber liability
  • Directors and Officers
  • Various limits
  • Optional Care, Custody and control extension
  • All lines available under one policy, one debit and attached to the main commercial assets policy

 

Marine insurance is an all risk policy which provides all risk cover across goods being moved, warehoused, temporarily stored, loaded or off loaded and stored permanently to be distributed which is either owner, in the care, custardy or control of the insured or contractually deemed the responsibility of the insured.

While our Agriculture product comprehensively meets the specific insurance needs of those involved in agriculture or farming enterprises.