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Give your business property the protection it needs and deserves

You’ve worked hard for your business, and it’s done well for you. Avoid unnecessary risk by protecting its future with the right type and amount of cover for your business. Backed by our business acumen and industry expertise, our business insurance solutions provide a variety of cover options that can be tailored to meet your unique needs.

Why you should insure your business property with us

Flexibility to meet your changing needs

From comprehensive commercial business cover to specialist risk products for niche industries, we’ll find you the right solution to suit your current requirements, with the flexibility to change as your business changes.

We are South Africa’s largest insurer

Whether you’re a small business or one of South Africa’s large corporations, we offer intelligent, flexible solutions to match your risk profile. That’s why more than 80 of the top 100 JSE-listed companies trust us to protect them.

We pay claims efficiently

We are claims experts, and we know how important it is to get back to business as quickly as possible. So, we pay claims promptly and efficiently. We are continuously striving to find new ways of making the claims process seamless to support you when you need us most.

Choose from a full range of business property insurance options

If it’s comprehensive, intelligent business cover that you need, backed by over a 100 years of knowledge and experience, you’ve come to the right place. With our range of business insurance options, you can select the best combination of cover for each stage of your business’s development.

Buildings combined cover

Your buildings are your biggest asset. We offer a combined cover under this section to protect company-owned properties against damage ranging from fire, lightning, weather and water theft of internal fixtures and fittings, accidental damage to sanitary ware, glass and machinery, signs, blinds, canopies and more. We also cover legal liability to third parties from ownership of the property and loss of rent until the building is reinstated.

Business all risks

Whether your property is on or off your premises, it needs cover that you can rely on. Get comprehensive cover for the loss of or damage to specified equipment, wherever it is in the world. Photographic equipment, sound equipment, specialist professional equipment or more – if it needs to travel with you, it’s covered.

Office contents

Protect the contents of your office with comprehensive cover that pays out quickly and efficiently. Cover the loss of or damage to certain office contents by fire and insured perils like impact, malicious damage, theft, accidental damage to glass items, and more. It can be extended to cover, loss of documents that you normally keep at your premises and legal liability to third parties arising from the loss of such documents. We will also cover you for any increased costs you may incur as a result of damage to the office contents.

Fire and other insured perils

Protect your business against the unpredictable devastation of fire and other perils such as storm, wind, water, hail, snow, impact, malicious damage, and subsidence and landslip, to name a few. Insure your buildings, loss of rent, plant, machinery, contents and stock against unexpected risks, with us.

Electronic equipment

Electronic equipment is an integral part of any business. Whether you simply have a few PCs or equipment to supply a large business, we’ll protect them against loss or damage. Our business solution covers you for equipment on your premises, in transit away from the premises anywhere in the world, if it is a laptop or other portal electronic equipment carried on you and more. Cover can also be extended for loss of profit due to a reduction in turnover following loss or damage.

Business interruption

Physical damage to the property resulting from an insured peril can result in your business activities being interrupted for an extended period of time. This cover is important to a client to cover profits, revenue and rentals and provide increased costs of working cover should the unforeseen happen. Our solutions provide cover for different types of businesses.

Customise your cover

Different businesses have different risks and needs. As the one who knows your business best, you can work closely with your intermediary to customise an insurance solution that addresses your specific requirements.


The accidental breaking of internal and external glass such as glass in windows and doors including their signwriting can be expensive, inconvenient and leave you vulnerable. We’ll cover the replacement of glass and signage. And you have the option to buy express delivery of replacement glass and overtime charges.


If you keep money on your business premises, we’ll provide cover for the loss of or damage to that money and while in transit to or from the bank. You can further extend your cover to include electronic monetary funds in a bank account of the Insured or electronic airtime, for which the Insured is legally liable, as well as fraudulent payment to the Insured by means of a credit card and more.

Deterioration of stock

When machinery breaks, stock can be compromised. Protect your investment with cover for refrigerated stock, cold rooms, fridges and freezers on your premises.

Machinery breakdown and Business interruption cover following machinery breakdown

The machinery in your premises is exposed to all kinds of risks daily. Our policy cover goes beyond fire and theft and can be extended to include accidental damage on the machinery breakdown section. A breakdown of your machinery can stop your business, get cover that accounts for the reduction in gross profit as well as the increased cost of working following machinery breakdown if selected.


Don’t let theft set your business back. We offer cover for contents in an insured building following forcible and violent entry into or exit from such building. You can also select for damage to buildings cover including the landlord’s fixtures and fittings, damage to gates and fences and for tenants fixtures and fittings if required.

Accidental damage

Accidents happen and, as a business owner, it is hard to predict exactly what will impact your business. Accidental damage cover covers you when the unexpected happens that was not covered under any of the other sections of the policy. Cover can be extended to include damage by discharge or leakage from tanks, pipes or apparatus of chemicals, oils, liquids, fluids, gases or fumes.

Goods in transit

Protect your goods while they travel from A to B with cover against a range of risks, including fire, collision, theft, hijacking and more.

A product to meet your specific industry needs

No two businesses are alike, and when it comes to specific industries, an organisation's needs can be vastly different. Take a look at our specialist insurance solutions to meet industry-specific requirements.

Real estate

Whether it’s sectional title, homeowners’ associations or retirement villages – we meet the needs of the collective property schemes industry with comprehensive, industry-specific solutions. For when people’s homes depend on it.

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Tourism & leisure

We know the ins and outs of what it takes to cover B&Bs, hotels, game farms, golf estates, restaurants and restaurant franchises, and more. So, you can continue to welcome global travellers to your premises.

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Educational institutions

Protecting the assets of educational institutions is a highly specialised field. We offer protection against risk on buildings, equipment, sports facilities and more. So, you can keep growing our future generation.

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Religious institutions

Insuring religious institutions requires an in-depth knowledge of the specific risks these organisations face. Our expertise, which spans over 104 years, guarantees peace of mind that all eventualities have been anticipated.

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We offer standard business solutions and industry-specific cover for guesthouses, B&Bs with timeshare and more. Helping to keep your doors open.

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Customise your cover

Let’s create your perfect solution together. Contact one of our expert intermediaries to customise your cover.

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