Business insurance for owners who want it done right
Whether you run a workshop, a fleet, a farm or a professional practice, we assess your risks, compare insurers and structure a commercial policy that fits how you actually operate.
Commercial solutions
Most businesses need a combination of the covers below. We build them into one coordinated policy so there are no gaps and no unnecessary overlap.
Property & business interruption
Buildings, contents, stock and loss of income after insured damage such as fire, storm or burst geysers.
- Fire, buildings & office contents
- Theft, money and glass
- Business interruption
Fleet & commercial motor
From a single bakkie to a full fleet of trucks and trailers, including cover for goods you carry.
- Vehicles, trailers & specialised equipment
- Goods in transit
- Third-party liability
Liability
Protection when a customer, supplier or member of the public claims your business caused injury or damage.
- Public & product liability
- Employer's liability
- Directors' & officers' liability
Professional indemnity
For consultants, engineers, accountants, IT and other professionals facing claims of negligence, error or omission in their advice or work.
Engineering & contract works
Cover for plant and machinery, electronic equipment, and projects under construction.
- Machinery breakdown
- Contractors' all risks & contract works
- Electronic equipment
Agriculture
Farm buildings, equipment, implements, livestock and farm vehicles, structured for the realities of farming operations.
Body corporates & sectional title
Buildings cover, common property and trustee liability for complexes, estates and share-block schemes.
Cyber & specialised risks
Cyber cover, fidelity guarantee, and niche risks such as fuel retail and hospitality, sourced from specialist insurers.
We understand your sector
A logistics business and a guest lodge face very different risks. We start with how your business works, then find the insurer best suited to it.
Our process
Assess
We meet with you, review your current policy and identify the risks that could really hurt your business.
Compare
We approach suitable insurers and present the options side by side, with our recommendation and the reasons for it.
Place
Once you choose, we handle the paperwork and make sure the policy is set up exactly as agreed.
Support
We review your cover as your business grows and stand by you through every claim.
Send us your current policy schedule. We will review it, point out gaps or overlaps, and tell you honestly whether you can do better.