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What is Business Insurance?

Business insurance protects your company from financial losses due to unexpected events related to your business activities.

It covers costs such as compensation claims, legal fees, property damage, and employee-related issues.

Plus, it’s often tailored to your specific industry, ensuring the right coverage for your unique needs.

Why Should I Insure My Business?

As a business owner in South Africa, you're responsible for preparing for unexpected events that could impact your customers and employees.

Legal Insurance Requirements in South Africa
In South Africa, certain types of insurance are legally required:

• Employer’s Liability Insurance: If your business has employees, you're legally obligated to provide compensation for work-related injuries or illnesses under the Compensation for Occupational Injuries and Diseases Act (COIDA).

• Commercial Vehicle Insurance: While not mandatory by law, if your business uses vehicles for operations, it's highly recommended to have commercial vehicle insurance. Some contracts may require this coverage, and it can protect your business from significant financial losses.

The Importance of Business Insurance
Claims resulting from workplace accidents or other unexpected events can lead to substantial financial liabilities. For instance, a company faced significant financial repercussions after a workplace accident in 2022. Having the right business insurance can help cover these costs and protect your business from unforeseen events.

What Our Experts Say

"Business insurance is essential, as claims against your business can cost thousands of Rands. If you're concerned about premiums, there are ways to lower the cost—such as comparing policies and quotes to find the right coverage at an affordable price."

Shana Jasmine - Business Insurance Expert

Find the right cover for your business

Business Vehicles

Insurance cover for all your business vehicle needs, including cars, bakkies, trucks, trailers, special purpose vehicles, goods in transit and more.

Professional Liability Insurance

Protect yourself against some of the risks you may encounter during the course of your professional career.

Cover for your building, office contents, money, electronic and specialised equipment and stock.

Business Property

Business Interruption

Cover for when your business operations are interrupted.

Broadform Liability

Umbrella cover for commercial liability including public liability, product liability and defective workmanship.

One of the most comprehensive types of cover available for items that are used away from your premises.

All Risk