Retailers
By 'retail' we mean a business or person that sells goods directly to the consumer… Unlike a wholesaler or supplier, who generally sells goods to other businesses.
Light engineering
Light engineering companies manufacture consumer-facing products. The term refers to manufacturing that turns pre-fabricated goods into saleable products.
Building contractors
The building industry contributes around 15% to SA's gross fixed investment. It's an essential component of infrastructural development.
Franchises
By 'franchise' we mean a distribution network operating under a shared trademark or name, with franchisees paying for the right to do business under that name for a specified period of time.
Manufacturers
SA has an established and diversified manufacturing base, which shows its resilience and potential to compete in the global economy.
Fitment centres
Local tyre manufacturers and fitment centres contribute close to R20 billion to SA's economy every year and provide secure employment for at least 6,500 people.
Office type risks
It might come as a surprise that smaller businesses operating in office environments are often the least protected type of business when it comes to insurance cover.
Pharmacists
As healthcare professionals with specialised education and training, pharmacists wear many hats to ensure that patients enjoy the best possible healthcare.
Churches & schools
In SA, we have around 7,000 churches and 26,800 schools, which include public and private institutions.
Steel product manufacturers & dealers
Employees of steel construction businesses operate powerful machinery; work at various job sites; and often drive large, expensive trucks.
Plumbers & electricians
We understand that plumbers and electricians need proper liability cover, as well as cover for motors and tools.
Hairdressers & beauty salons
You might think that a hairdressing business or beauty salon is low risk. The truth is that accidents happen, no matter how carefully you manage your risks.
Accidental damage
The king's accidental damage insurance protects your business from unexpected mishaps.
Accounts receivable
The total amount due to you by your customers, as set out in your accounting records.
Buildings combined
Damage to buildings, which you own or for which you're responsible.
Business all risk
Loss of, or damage to, your insured property, anywhere in the world.
Business interruption
Your financial loss due to the interruption of, or interference with, your business activities.
Motor
Loss of, or damage to, any insured vehicle, and its accessories and spare parts, whether on or in the vehicle.
Electronic equipment
Loss of, or damage to, the electronic goods listed on your policy schedule.
Fidelity
Fraud, dishonesty, or the theft of money or other property, by an employee.
Fire
Loss or damage to the whole, or part, of the property described on your schedule.
Glass
Loss of, or damage to, your internal and external glass, and the signwriting on it.
Goods in transit
Loss of, or damage to, goods in transit belonging to you or for which you're responsible.
Home owners insurance
The king knows that your home is your castle.
Machinery breakdown
Costs for unforeseen damage, or market-value replacements, of insured machinery on your premises.
Machinery breakdown:
Business interruption
Cover for financial loss due to business interruptions following an insured incident.
Machinery breakdown:
Deterioration of stock
Cover for insured goods while in the refrigerator chamber/s at your premises.
Money
'Money' is your cash, bank and currency notes, cheques, postal orders, and so on.
Motor traders: External
Damage caused by an insured vehicle, on your insured premises, that you’re liable to pay.
Motor traders: Internal
When you’re a wheeler-dealer, your financial success depends on the safety of your vehicles.
Office contents insurance
have you ever wondered how you'd do it if all your stuff was stolen or damaged?
Public & employers liability
Costs related to the accidental death of, injury to, illness, or accidental loss or damage, to other people.
Stated benefits & group PA
Costs for bodily injury to your insured principals, partners, directors, members or employees.
Theft
Business owners carry the responsibility for making sure that it's business as usual, even after a robbery.
