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Commercial Insurance

Commercial Insurance

Whether you are just starting out or if you’ve spent many years building your business you need the best cover to protect it. We are here to provide you with just that! We deal with various insurance companies including the country’s top insurers to give you options that will suit your unique needs as well as your budget.

We pride ourselves on personal service and so will provide you with a full needs analysis.

Commercial Business insurance covers we offer include Fire, Plant & Machinery, Stock, Business Interruption, Office Contents, Public Liability including Products Liability, Accidental losses, Theft / Burglaries, Employee dishonesty and many more.

Due to the vast array of covers and the often complex options we prefer to discuss your needs personally. Contact us now to discuss what you require.

Body Corporate Insurance / Sectional Title

Covers against loss or damage due to flood, fire, vandalism, theft, accidental damage and other perils, burst geysers and any resultant damages therefrom, Trustees indemnity to name a few.

Fidelity Cover: The recent amendments to the Community Schemes Ombud Service Act (CSOSA) and Sectional Title Schemes Management Act have made it mandatory for all Body Corporates to hold Fidelity Guarantee insurance now. We deal with the top insurer for this cover which ensures you get the right cover required by Law.


Geysers all have a limited life span which can result in a high number of losses for a Body Corporate. In some instances the Body Corporate may decide to exclude this cover completely. We have sourced a stand-alone geyser cover to ensure you don’t have to go without this cover.

M and W Insurance Brokers has won the Santam silver award for brokers in the KZN and was nominated for an award from MUA Insurance Acceptances.

M and W Insurance Brokers are proud members of the Financial Intermediaries Association and the Insurance Institute of KZN.