Short Term Insurance

Personal Insurance | Commercial insurance

Personal Insurance

Insurance for loss of or damage to private residential structures, including fixtures and fittings belonging to the insured as the owner or for which he is responsible.

Insurance for loss of or damage to property at the insureds premises, belonging to the insured or for which he is responsible. This includes household content, personal property and fixtures and fittings belonging to the insured as a tenant.

Insurance for loss of or damage to property during the course of running a Bed & Breakfast or Home Industry business from the insureds personal and private premises.

Insurance for accidental loss of or damage to motor vehicles, motorcycles, SUV’s, 4×4’s, Classic Vehicles, Luxury Vehicles, Caravans and Trailers. Types of cover includes Comprehensive; Comprehensive excluding theft and hijack; Limited fire, theft and hijack or Third party only.

Insurance for loss of or damage to property normally worn, carried or used away from the insured’s private property.

Insurance for loss of or damage to Watercraft used for social, domestic and pleasure purposes. Includes in-and-out board Motorboats, Sailboats, Inflatable boats, Jet skis, Wet Bikes, Yachts, Canoes and Kayaks.

Insurance that will compensate you for your legal liability. Includes death, bodily injury, illness, physical accidental loss of or damage to tangible property of any third party or person.

Insurance providing cover for individual leisure travelers, individual business travelers and corporate travelers. Important benefits included are medical and related expenses, assistance services, evacuation, cancellation, travel delay, lost or stolen luggage, legal assistance, personal liability and accident cover.

Commercial Insurance

Insurance for Farms, Farmers and Farming Operations that provides cover for Assets, Farming activities and any risks associated with farming activities.

Insurance for businesses providing tourism activities to the public. This type of insurance is ideal for Holiday Resorts and Accommodation providers, Game Farms, Tour Operators and covers activities like Camping, Fishing, Horseback Riding, 4×4 tracks, hunting, zip line and much more.

Insurance ideally suited for Hotels, B&Bs, Restaurants, Take Away and any other businesses operating in the Hospitality industry.

Insurance for most type of building including Office Buildings, Shopping Centres and Malls, Schools, Retirement Villages, Residential and Commercial Security Complexes.
Tailored insurance solution for risks from housing developments to infrastructure projects. Some of the products included are Contractors All Risk, Advance Loss of Profits, Contractors Plant and Equipment, Electronic Equipment and Machinery Breakdown.
Insurance for your customers vehicle which is in your custody or control as well Vehicles that is your property for sale and seen as dealer stock.
Insurance for vehicles with a gross vehicle mass exceeding 3500kg and can be extended to include Goods in Transit.

Insurance that makes it easy to manage large vehicle fleets. Vehicles owned, hired or leased or operated by the insured as a replacement will be covered.

This insurance provides cover for any loss of or damage to stock or goods that may be in transit by means of Road, Rail, Air or Water.

Insurance for Private and Commercial Aircraft including Corporate Aircraft, Experimental Aircraft, Agricultural Aircraft, Gliders, Microlights, Rotor Wing Aircraft, Drones, Charter Operations, Private Owners and Recreational Flying.

This Insurance protects the Insured’s Company against legal liability for claims by third parties for bodily injury or property damaged as a result of the insured’s business activities. This includes liability for products manufactured, supplied or distributed and defective workmanship, as well as for sudden and accidental pollution damage.

Insurance for damages which the Insured shall become legally liable to pay upon death, bodily injury or illness of any person employed, which occurred in the course of and in connection with such person’s employment.

Insurance for activities, functions, festivals or events.
Insurance designed for cover in the case of Network security breach or Privacy breach. This includes physical theft and loss, accidental disclosure, ransomware, denial of service, Hacking, Malware, Insider and privilege misuse.

Insurance that provide financial protection in the form of defense costs to companies and individuals for their legal liability arising out of claims for damages from third parties due to their actual or alleged negligence, error or omission while providing services to such third parties in the scope of their specific practice, profession or business

Insurance that provides protection to employers against fraud and dishonesty committed by employees. These employees must have benefited financially and / or intentionally caused a financial loss to the employer.

This insurance covers quantified claims for bodily injury / death / damages. Cover includes emotional shock, loss of income or earnings claimed by a third party because of negligent treatment as well as defense costs.

Insurance policy designed to protect the personal interests when a director has acted in a manner that was believed to be in the best interest of the company but may not have had the desired result, or inadvertently breached duties.
Insurance that covers the risk posed by potential bad debt losses.

Insurance providing cover for individual leisure travelers, individual business travelers and corporate travelers. Important benefits included are medical and related expenses, assistance services, evacuation, cancellation, travel delay, lost or stolen luggage, legal assistance, personal liability and accident cover.