1. Domestic Insurance

Household Cover

This covers all your personal insurance needs in and around your home to ensure you are protected from loss of or damage to your household goods and personal possessions.

Examples are: Furniture, clothes, electric and electronic equipment, carpets, rugs, curtains, gardening and swimming pool equipment and so on. Insurance cover here spreads over a diverse range of events such as fire, flood, theft and storm damage.

All Risks Cover

This is optional cover that includes cover for clothing, personal effects, jewellery, cellular phones, cameras, video cameras and accessories, plus more. If it’s important, treasured or even of sentimental value, All Risks will cover it.

Vehicle Cover

3 options are available to you here. These are:

Comprehensive cover: this covers accident damage, theft, hijacking, accidental death and/or injuries to others and damage to property. Third party fire and theft cover: this covers theft, hijacking, accidental death and/or injuries to others, plus damage to third party property. Third party only cover: this covers accidental damage to third party property, and death or injury via privately owned motor vehicles.

Legal Access: This provides you, your spouse and your children with legal cover should you ever need it. This includes civil legal action, family matters, labour disputes and defence against criminal charges.

Personal liability: This is worldwide cover that includes you personally, your domestic employee, and any tenants you may have.

2. Commercial / Business Insurance

Part of running your business successfully is ensuring that it’s properly insured - which is where we step in to help. Leaving you to concentrate on running your business the best that you can. Our insurance plan covers the general contents of your business, theft, electronic and other office equipment, documents and loss of income. Additional options from which you may choose include amongst others, fire, goods in transit, accidental damage, public & employer liability, group personal accident and even business all risks.

3. Trucks & Goods in Transit

Our Transport Insurance division provides valuable advise and insurance answers to anyone who needs to insure heavy commercial vehicles.

4. Corporate Insurance

Here, our expertise extends to property, casualty and motor insurance and risk management solutions aimed at the larger corporate businesses. This means tailor-making insurance packages to listed organisations, multinational companies, mining operations, co-operatives, municipalities, parastatal organisations, tertiary education institutions, and chemical operations.

Customised solutions include property damage, business interruption, casualty, fleet and more.

5. Agricultural / Farming Insurance

Our agricultural policy is flexible enough to ensure you’re always covered – come rain or shine. Take advantage of our comprehensive agricultural package that includes replacement of new vehicles, tow-in costs and safeguarding after mechanical breakdown, trauma treatment, emergency accommodation, passenger liability, vehicle rent, labour practice liability and livestock insurance to name but a few.

6. Marine Insurance

This covers all sailboat and motorboat categories and includes jet-skis, windsurfing and kite boarding equipment. This comprehensive cover includes all machinery, fittings and accessories whether you are on the water or ashore or even in the process of transporting your equipment.

7. Special Risk

South African Special Risks Insurance Association (SASRIA). SASRIA covers political riot and strike but excludes war risks and terrorism.

Contractors All Risks: Coverage for buildings and content is often excluded during building or installations on the insured premises. For smaller projects coverage might possibly be continued, provided this is cleared out in advance with the insurer in question and against payment of an additional premium.

Professional Indemnities: PI insurance essentially provides the insured entity named in the policy with protection in respect of their legal liability arising out of the practice of the their profession. This normally arises as the result of negligent acts, errors or omissions. PI insurance has to do with understanding the risks inherent in working as a professional and taking adequate steps to protect against the consequences of these risks

8. Liabilities

Public Liability: Indemnifies the business against claims for accidental death or injuries, losses or damage to tangible property caused by or arising from the business' activities.

Employer's Liabiity: If the business can be held legally accountable for the death of or bodily harm to any employee or for damage to the property of employees.