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Why do you need Business Insurance?

Whether you’re a florist, dentist, or an accountant, there are certain risks that most businesses face like fire, theft, natural disaster or employee injury. Business Insurance provides cover against these unforeseen events that could lead to substantial financial loss.

You can’t predict what might happen to your business in the future. There are many factors that could threaten its productivity, such as unexpected fire damage to your property, theft, a natural disaster, or the injury of a key employee.

Without cover you might be exposing your company to risk; a single blunder could drain your hard-earned resources and force you to cease operation.

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Insurance for Small Businesses in South Africa

If you run a small business, like a construction company, funeral parlour, driving school, guest house or courier delivery service in South Africa, there’s business insurance cover you need to protect your business from financial damages.

A quick guide to Business Insurance
We understand how much blood, sweat and tears it takes to run a successful business – we’ve been around the block a few times. Unfortunately, many business owners try to skate by without insurance, exposing their company to grave risk. Without coverage, a single blunder could drain your hard-earned resources and force you to close your doors. Time is money. Chat to one of our partners; get your free quote and save! It’s a pleasure doing business with you.

Are there waiting periods applicable where Covid-19 is excluded?

No, generally not for life cover. For funeral cover, a standard waiting period applies for natural deaths.

Is COVID-19 covered in the event of death?

Most life insurers provide cover for the disease, as it causes illness and is considered a natural cause of death. It’s not included under Accidental Death cover, however.

Is COVID-19 testing required for life cover acceptance?

No, but if you have been tested for the virus or are planning to get tested, some insurers may defer cover until the results come out.

What about COVID-19?

Worried about the impact of novel coronavirus on your life insurance? Here are the answers to some frequently asked questions:

View All FAQs

Accident Damage Cover

Protection that pays for repairs to your vehicle if it is damaged in a collision with another car or object.

Agreed Value

A value for your vehicle that you and the insurer decide on when the policy starts. If the car is written off or stolen, the insurer pays this agreed amount rather than the market value.

Beneficiary

The person or people you choose to receive the life insurance payout when you pass away.

Courtesy Car

A temporary replacement vehicle provided by the insurer or repairer while your insured car is being repaired after an approved claim.

Excess Protector

An optional add-on that allows you to claim for damage without paying the standard excess amount on certain claims.

Funeral Cover

A type of life insurance designed to pay for funeral and burial costs when the insured person passes away.

Glass Cover

Insurance that specifically covers repair or replacement of your vehicle’s windscreen, windows, or sunroof without affecting your main claim history.

Key Replacement Cover

Cover that pays for replacing lost or stolen car keys and reprogramming locks or immobilisers if needed.

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What Our Customers Say
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