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Our structured approach, which is underpinned by expert advice, starts with a risk analysis. We then find the right insurer for you, at the right price and produce a hand crafted insurance solution. All of this is backed by a high performance claim teams and a great insurance experience, consistently.

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Buildings

Cover for the building, including fixtures and fitting and other structures named in the policy. The main events covered are Fire and Storm

House Contents

Cover for all your personal belongs inside a building. The main events covered are Fire, Storm and Theft

All Risks

Cover designed for personal property that is portable, like cellphones, bicycles, cameras etc.

Motor

Cover for your motor vehicles. The three types of cover available are Comprehensive, Balance of Third Party, Fire & Theft and Third Party only

Pleasure Craft

Cover for your personal water craft, including the option to cover associated and insurable liability risks

Personal Liability

Cover for your personal legal liability to third parties, should you negligently damage their property or cause them injury

Extended Personal Liability

Cover that increases or “tops up” the sum insured of your Personal Liability section

Travel

Cover for when you travel. Some cover examples include insurance for Emergency Medical Expenses, Lost baggage and Personal Liability

Personal Accident

Cover to named persons for death or injury due to an accident

Assets

Cover for assets can be facilitated under Fire, Buildings Combined, Office Contents, Electronic Equipment

Consequential Loss

Cover for reduction of Turnover or Revenue following an insured Material Damage loss, can be facilitated under Business Interruption and Loss of Profit following Machinery Breakdown

Crime

Cover for events arising from crime only, can be facilitated under Theft, Money and Employee Theft (Fidelity Guarantee)

Transit

Cover for property transported within South Africa can be facilitated under Goods in Transit

Liabilities

Cover for insurable legal liabilities to third parties, caused through your negligence, can be facilitated under Public Liability and Employers Liability

Accidents to Persons or Property

Accident cover is available for accidental damage to property and for accident to named persons or positions

SASRIA

Cover is available through the South African Special Risks Insurance Association(SASRIA) for events arising from civil commotion, public disorder, riots & strikes

Construction

Cover for building and construction contracts, including civil contracts. Cover typically includes insurance for the Works and the associated liability risks, arising from the insured Contract

Engineering

Cover for the machinery breakdown risk, including reduction in Turnover following machinery breakdown. Plant insurance for cranes, forklifts etc. is also catered for under this heading. Cover can include loss or damage to the insured Plant, including hiring charges or loss of use cover

Marine

Cover for international cargo risks and marine hull. Specifically, we have the expertise to facilitate Import, Export and Stock Throughput cover for international cargo

Liability

Cover for various forms of specialized liability including Professional Indemnity, Product Inefficacy, Product Recall, Employment Practices, Environmental Impairment and Directors & Officers

Corporate Travel

Cover for when you travel on business. Some cover examples include insurance for Emergency Medical Expenses, Lost baggage and Liability

Cyber

Cover for cyber breach e.g. data restoration costs, cyber extortion etc., including insured legal liability cover for data breaches and fraudulent funds transfer cover

Our team is ready to help you to make the best insurance decision possible.