Corporate Insurance

Corporate Insurance programmes are tailormade to suit the needs of each client.  Like the name Compendium suggests, we structure each programme following a detailed risk assessment of each client and based on the understanding of their risk appetite, risk profiles.

In additional to the traditional insurance programme offering, we also provide Risk Management Solutions as well as tailor made Alternate Risk Transfer solutions.

“Corporate” accounts are not only defined by size or as a public listed company we will treat an account as corporate, where we see one or more of the following:

  • Complexity of risk inherent in the business
  • Current or potential need for risk financing
  • Need for bespoke policy wordings and/or niche markets including overseas placements
  • Assets

Asset All Risk

Assets All Risk insurance provides protection for business property that is accidentally physically lost, destroyed or damaged by anything other than excluded causes.  This means that you’re covered for almost every eventuality, which makes your coverage broader and easier to understand too.

Examples of excluded causes are:
  • Damage caused by defective design materials or workmanship
  • Willful acts or negligence by the insured
  • Acts of fraud or dishonesty
  • Disappearance, unexplained or inventory shortage
Business Interruption In the event of damage to the property caused by certain prescribed insured events, you, as the business owner, may not be able to generate income at the same level as prior to the loss. Business Interruption insurance will provide cover for the proportionate loss of net profit and fixed costs that prevent, reduce or interrupt trade or business at the insured premises

Marine Cargo Insurance

Offering specialist Cargo cover, our experienced Marine Cargo Team will arrange cover to meet your risk requirements arising from the Purchase/Sale or Storage of Goods. A typical policy covers loss and damage to cargo, which would normally be on a “Warehouse to Warehouse” basis dependent on the INCO Terms applicable.



Motor Fleets

Compendium offers highly customisable motor and motor fleet insurance for company vehicles and designated drivers in regular transit throughout Southern Africa. Motor Fleet Insurance can be tailormade to suit your needs including self-insurance aggregates. This policy covers vehicles solely for commercial use. To insure a vehicle in your private capacity, learn more about our personal car insurance here.

Business Interruption


Personal Accident

Accidents do happen!
  • Road deaths
  • Violent crime
  • Occupational accidents and diseases
The death or disability of owners and key employees can be just as damaging to a business as a fire or theft. Personal Accident insurance can provide benefits to ease the burden of a serious accident or illness or provide benefits to pay for temporary or replacement employees or to cover overtime payments.

Commercial Crime

Commercial crime is the modern form of cover. It provides protection against fraud by employees, as well as fraud involving third-party criminals. These losses often involve management level staff, using IT to perpetrate “white collar” crime over time and to significant amounts.

Professional Indemnity


Cyber Crime Liability

From a lost device to a more deliberate cyber-attack, the risks arising out of the myriad and ever-increasing use of IT, are perhaps some of the most challenging faced by businesses in today’s technological world. Data and systems are key assets for most companies because without them you cease to exist. Operating digitally presents opportunities but also comes with great risk! Cyber risks policies are constantly evolving to try and meet these risks.

Riot Wrap Around

A Riot Wrap Around policy will dovetail with SASRIA cover to provide additional coves such as:
  • Terrorism cover
  • Riots, strikes, civil commotion and malicious damage
  • Insurrection, revolution, rebellion, coup d’etat and mutiny
  • Comprehensive political violence, including war and civil war
  • Bomb hoax threat
  • Transit cover
  • Contingent business interruption expenses
  • Capital additions and new acquisitions
  • Group interdependency

Directors and Officers Liability

We put a great deal of focus on assisting our clients to structure a D&O policy that will offer the necessary advice and protection to directors and officers. No matter how big or small the Company is.
Sasria is an add-on product that protects every asset owner in South Africa against civil commotion, public disorders, riots, strikes and terrorism.

Kidnap and Ransom

In today’s global economy, threats to personal and corporate security are frequent. Incidents like kidnapping are difficult to predict and when they occur they require a swift, organised and expert response. We partner with a number of leading Insurers to provide a policy to protect your main Assets, your employees.

Specialist Motor



Being held legally responsible for third party claims can financially cripple a company, destroying everything you have built up. We understand that even when your business is faultlessly following best business practice, things can go wrong and it is essential to protect the company against the legal consequences of human error. This could result from incidents that occur at your premises to product liabilities that occur outside of them.

Marine Liability

Offering specialist legal expertise, our experienced Marine Liability Team will arrange cover to meet your legal liabilities arising from the negligence of your staff or subcontractors under marine related contracts with your customers or carriers, or simply under the common law. A typical policy covers liability for loss and damage to cargo, damage to vessel, damage to third party property and persons, as well as statutory liability, such as pollution or customs fines. Insurance may more broadly cover liability attaching to you as an agent for negligent performance, or more narrowly cover specific risks, such as container liability.

Travel Insurance

Travel insurance provides you with cover against travel risks such as medical emergencies, cancellation, curtailment, luggage loss, accidental death and disablement and personal liability, allowing you to relax and enjoy your journey with complete peace of mind. Whilst you pay for your insurance in a local currency any medical expenses will be covered in foreign currency.

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