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Understanding the Various Types of Business Insurance that is provided within the South African market

When owning a business you will very quickly become aware of the different types of business insurance available and which types would best suit the nature of your business. Each business is unique and will have unique challenges, needs and requirements. Making sure that you receive the cover you require at an affordable rate would be your greatest task when looking for business insurance.

Small business insurance can be a tricky. Some businesses will require public liability, other’s wont. It is small differences like this that make the need for a tailor-made insurance solution, a necessity. Reputable insurance companies offer various types of business insurance cover as follows:

  • Accidental damage cover this ensures that business goods, that are accidently damaged, are completely covered
  • Buildings combined cover this cover ensures that damage to your business building and its attached buildings is offered.
  • Business interruption cover this particular cover offers compensation for the period of time that you are out of work, while business items and goods are being replaced or repaired.
  • Accounts receivable cover this cover offers compensation for times when records of accounts and amounts outstanding are lost or destroyed.
  • Portable business possession cover this offers loss and damage protection for business items which can and need to be removed from the premises.
  • Theft cover this particular cover offers compensation in the event of items and business valuables being stolen from your business property.
  • Public liability cover – this ensures that you will be able to afford the outlay should a client be injured or their property be damaged while visiting your business
  • Electronic equipment cover this offers protection for computers and software that is licensed to the business, in the event of it becoming damaged or being stolen.
  • Fire damage cover this cover ensures that your business premises and property are protected in the event of a fire outbreak.
  • Glass cover this offers cover for any damage to fixed glass on your business premises.

The nature and daily running of your business will dictate the type of small business insurance that you eventually decide upon. With the help of the consultants can have your insurance package perfectly pieced together to suit both your needs and budget.

 

We pride ourselves in been able to offer various across the board insurance products ranging for specialized engineering, Marine, Goods in Transit, Commercial and niche markets, down to the broad and popular car and home insurance packages. We also have various group schemes at our disposal offering preferential rates.

We ensure that our premiums remain competitive and market related thus providing value for money. Our professional approach to our clients ensures that we stand up to our motto of not under promising but rather over delivering We understand that holding on with call centers is not only frustrating but a waist of productive time and will therefore always have a direct link to all of our clients.