Commercial insurance
We consult with you personally to structure cover around your business, including exposures at your premises and away from them.
- Agriculture
- Businesses, including bakeries, offices and panel beaters
- Contractors all risks
- Engineering
- Fidelity
- Guesthouses
- Heavy commercial vehicles
- Hospitality
- Liability covers
- Marine
- Indemnity cover
- Sasria
- Tourism
Personal insurance
Cover options for your personal assets and everyday responsibilities.
- All risks
- Emergency roadside and home assistance
- Extended personal legal liability
- Household contents
- House owners / buildings
- Motor
- Personal accident
- Personal legal liability
- Sasria
- Watercraft
Who this suits
Short-term insurance covers the things you own and the responsibilities that come with them. It suits:
- Homeowners and tenants with contents, furniture and appliances to replace
- Anyone who owns a car, bakkie, motorbike, caravan or trailer
- Families with valuables that leave the house, such as phones, laptops, bicycles and jewellery
- Business owners with premises, stock, equipment, vehicles or staff
- Contractors, tradespeople and professionals who work at clients’ premises
- Guesthouses, restaurants, farms and other operations with specialised risks
Problems we help with
The situations that most often bring people to us, and that a review is designed to catch.
Underinsurance
Sums insured that have not kept pace with replacement costs. If you are insured for less than the full value, an insurer can reduce a payout in proportion, even on a small claim.
Cover that no longer matches your life
A vehicle used for work but insured for private use, a business run from home, or equipment that travels with you can fall outside the policy you took out years ago.
Gaps and overlaps
Several policies covering the same things while common risks, such as liability to other people, are not covered at all.
Conditions you did not know about
Alarm, tracking-device, storage or security requirements that must be met for a claim to be paid.
Premiums that have crept up
Cover that has renewed year after year without a comparison across insurers.
A business that cannot trade after an event
Damage to premises or equipment is only half the loss when income stops while you recover.
What happens during a review
A review is a conversation, not a commitment. Here is how it usually runs.
- 01
We listen
You tell us about your home, vehicles, business activities, recent changes and any claims. Nothing is arranged at this stage.
- 02
We read your current schedule
Line by line: sums insured, excesses, conditions, exclusions and what has changed since it was issued.
- 03
We compare options
We approach the insurers we work with and weigh premium against cover, excess structure and claims service.
- 04
You get a written recommendation
It sets out what we propose and why. Existing cover stays in place until any replacement is confirmed in writing.
- 05
We implement and keep it current
Amendments are processed online, and we review the policy with you at renewal or whenever your circumstances change.
Prepare for a useful insurance review
Bring your current schedule, asset values and a description of your business activities or household needs. Let us know about changes in use, security, premises or claims history.
Before we speak
How do we identify gaps?+
We discuss your circumstances and review the relevant policy limits, exclusions and excesses. Any recommendation depends on the information you provide and the insurer’s terms.
Can I review existing cover?+
Yes. Start with a conversation about your current arrangements and what has changed. Keep existing cover in place until replacement arrangements are confirmed.
Plain-English guide
Terms you will see on schedules and quotes, explained without the jargon.
- All risks
- Cover for items you carry with you or use away from home, such as phones, laptops, cameras and jewellery, against loss, theft and accidental damage.
- Contractors all risks
- Insurance for building and construction work, covering the works, materials and site equipment while a project is under way.
- Fidelity
- Protects a business against financial loss caused by the dishonesty of its own employees, such as theft or fraud.
- Marine
- Despite the name, mostly about goods in transit: cover for stock and equipment while being transported by road, sea or air, as well as boats and cargo.
- Liability covers
- Cover for amounts you become legally liable to pay to other people for injury or damage, including public, products and employers’ liability.
- Indemnity cover
- Insurance that puts you back in the position you were in before a loss. Professional indemnity specifically covers claims arising from advice or services you provide.
- Engineering
- Cover for plant, machinery, electronic equipment and breakdown risks that a standard fire policy excludes.
- Sasria
- Cover for riot, strike, civil commotion, public disorder and terrorism, provided through the state-owned insurer Sasria and usually added alongside your main policy.
- Excess
- The first amount of any claim that you pay yourself. Policies can carry different excesses for different types of claim.
- Sum insured
- The amount an item or building is insured for. It should reflect what it would cost to replace today, not what you paid.
- Business interruption
- Cover for lost income and continuing costs while a business cannot operate after an insured event.
- Personal legal liability
- Cover if you are held legally responsible for injury to someone or damage to their property in your private capacity.