BUSINESS INSURANCE

Agriculture / Farming

Whether small and independent or a large commercial operation, as a farmer you are exposed to risk. Your needs will be as unique as you and the challenges you face every day are. Our Agri policy takes care of your individual needs and includes covering risks associated with cooperative and estate wine cellars, fresh produce packaging and liability, exports, poultry, warehouse liability and many more.

Bed & Breakfast and Guesthouse

With a high degree of flexibility, the Bed and Breakfast Insurance Policy allows you to coordinate the coverage you need within a single insurance program that’s easy to manage and uniquely suited to your lifestyle. One package policy and one bill can often satisfy your need for home, auto, valuable collections and umbrella liability insurance.

Body Corporates / Sectional Title

Cover for body corporates and community schemes goes beyond simply insuring the building. Being legally compliant is extremely important given the usual larger size and values of the buildings. Trustees have the additional responsibility in ensuring they are well protected against claims for injuries and damages caused on the property.

Churches & Charities

Designed to specifically focus on the insurance needs of churches, charities, religious centres, non-profit organisations (NPOs), non-government organisations (NGOs) as well as orphanages and childrens’ homes.

Driving Schools

Driving school insurance is created to protect you, your clients, your vehicle as well as protecting your income, should an accident occur leaving you unable to work.

Garages / Diesel Depots / Service Station

Our policies are tailored to the needs of full-service station sites, commission/franchise operators, and third-party leaseholders. We understand that petrol station owners must create a safe and secure environment for their customers, employees, and business.

Restaurants & Hospitalities

Insurance in a form of financial protection for a restaurant business and businesses in the hospitality industry. It can cover legal costs for liabilities and third-party claims, medical expenses, stock losses, and all the risks related to a food and hospitality businesses.

Retail Industry

Retail business insurance can protect your store from potential lawsuits and other losses. The right retail insurance should cover everyday risks, as well as risks that are unique to your individual operations.

Professionals: Doctors, Lawyers, etc.

Professional liability insurance is a form of business liability insurance that covers your small business against claims of mistakes in professional services, even if the claim has no merit.

Minibus Taxi / E-Hailing Services

A specific cover aimed at vehicles that carry passengers, normally 8 or more. One common mistake that happens is that you end up with van cover. As the panel deals exclusively with minibus cover, you will be reassured that the quotes you receive will be suitable for your vehicle category and purpose.

Busses

A bus insurance is a type of commercial vehicle insurance policy to protect commercial buses from potential damages and losses, such as in the case of an accident, natural calamity or fire.

Security Protection Services

We know how easily security guards can be faced with a dangerous situation that can potentially cause their own lives to be at risk. We provide a range of quotes suited to protect your company and its employees from harm.