Business

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

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

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.

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.

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.

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 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.