Fire Insurance, otherwise known as ‘property’ insurance,
indemnifies a client in the event of an insured event happening
to their buildings, their machinery, and stock in trade. Insured
Events – Under the Fire Section there are three main risks (or
perils) covered namely Fire, lightning, storm, or water.

Buildings Combined cover fixed structures such as offices,
outbuildings, and fixtures and fittings that is used for business
can be insured to protect these businesses against losses and
the financial costs with which they are associated.

Office Contents section is specifically designed and adapted for
office content cover including stationery and staff personal
effects to furniture and loss of rent. Contents of transporter
offices can be insured under this section. This section covers
non data keeping items.

Business Interruption insurance covers consequential losses,
like loss of profit, after an insured event has taken place. This is
normally used to cover fixed monthly overheads whilst a
business recovers.

Accounts Receivable covers loss or damage as a result of an
accident or misfortune to a client’s accounting records or other
business books, at the premises or at the residence of any
director, partner or employee or the premises of any accountant
of the insured, in consequence whereof the insured is unable to
trace or establish the outstanding debit balances due to them.

Theft insurance covers loss of or damage to all contents (the
property of the insured or for which they are responsible) of
any insured building at the insured premises described in the
schedule as a result of theft and accompanied by forcible and
violent entry into or exit from such building or any attempt
there at.

Money section covers a business in the unfortunate event of
financial loss due to the loss of, or damage to, any money kept
on their business premises or at home or for which they are
responsible.

Glass section covers loss of or damage to internal and external
glass (including mirrors), signwriting and treatment at the
insured premises and/or the property of the insured or for which
they are responsible.

Fidelity section covers a client for dishonest and unlawful
actions by employees that could harm their business’ finances
or reputation.

For many farmers, irrigation systems are the lifeblood of the
farm. That is why we offer insurance that is specifically
designed to protect these valuable systems. We will insure
your irrigation systems for new replacement value, thereby
ensuring that you keep going.

For most people, their home is the largest financial investment
they will ever make and for that reason it is important to
protect this precious asset against accidental loss or damage.
Homeowners’ insurance includes cover for walls, paving,
fixtures, and fittings, and will provide for unforeseen repairs
when you experience loss or damage to your home due to
theft, fire, storm, flood, water leakage, accidental or malicious
damage.

Household contents insurance is important to ensure
protection against loss or damage to household goods and
personal effects while inside your home against fire, lightning,
explosion, malicious damage, earthquake, water damage and
the specified perils including theft and accidental damage.

These are items, typically used outside of your home, that
need to be insured against loss or damage. Personal all risk
insurance includes cover for items like clothing, jewellery,
spectacles, sporting equipment, radios, cell phones, tablets,
photography equipment and the contents of a caravan while
away from the premises.

Transporting goods in South Africa exposes your business to
the risk of lost or damaged goods due to theft, hijacking,
accidents, fire event. This policy will ensure that you can
recover this loss without a detrimental effect to your business.

During the course of their employment, your employees are
your responsibility. Personal accident insurance provides cover
for any accidental bodily injury or death for all specified
employees of your business.

Accidents happen every day. You could be held responsible for
a tragic accident or loss. Personal liability insurance is
necessary for when you are held responsible for the accidental
loss or damage of property, or the accidental injury or death of
another person. This insurance product will provide cover for
claims made against you by third parties.