These are items that are normally worn or carried around with a client. Cover is worldwide
There are 2 types of All Risks:
Unspecified: Clothing and personal effects;
These are items normally worn or carried around with you outside your home. You select a lump sum figure to cover these. Depending on the product, the insurer may limit a claim settlement to 25% of the total sum insured per item, eg. You have a lump sum of R10 000 cover. Your handbag is stolen with a purse and various other personal items. You can claim up to R2 500 for the handbag and up to R2 500 for the purse.
Specified All Risks
This encompasses any other items such as cell phones, laptops, high value jewellery, etc. which is listed per item with its value on the policy.
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.
This insures the fixed structure against fire, lightning, explosion, storm, wind, water, flood, hail, bursting or leaking of water apparatus and pipes, impact damage. The house should be insured for full replacement value. This means that the buildings must be insured for the cost of re-building the property in its entirety INCLUDING the cost of tiles, plumbing, roofing, electrical work, architects and other professional fees. Please note that this applies to individual homes only.Should you live in a complex please refer to our Body Corporate page
Additional extensions either included or available at additional premium, depending on the insurer:
This insurance will cover the caravan against accident, theft and hijack. The caravan should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your caravan causing damage to third party property or third party vehicles.
Additional extensions either included or available at additional premium, depending on the insurer:
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.
This type of cover is normally held by logistics / transport brokers. The cover under this is meant to cover the goods only in the event that the standard goods in transit does not respond to a claim. The trucking client will normally have the goods in transit policy whilst the logistics broker will hold a goods in transit contingency policy.
This insurance covers the difference between the retail value of the truck / trailer and the amount outstanding to the bank. If at the time of an accident / claim you owe the finance company more than the current retail value of a truck / trailer due to interest and finance charges, this will cover the difference. It is very important cover as you wouldn’t want to be paying off a truck / trailer you no longer have due to the interest and finance charges.
If your truck has been stolen or hijacked or has to be in for repairs for any period of time following a valid claim this will cover you for a specified amount (that you choose) to cover the loss of income. You will also select the number of weeks you would like to be compensated. A premium will be charged according to the amount and number of weeks you choose.
Contract works insurance is an All Risk type policy for builders and covers accidental risks of physical loss or physical damage to the contract works during construction. The policy can pay out to repair or redo work in progress if damaged by events like fire, flood, storm, theft or vandalism. It also provides Third party Liability cover.
Businesses that need this type of insurance include property developers, building contractors, in fact just about anyone involved in the construction industry.
It’s important to buy the right level of contract works insurance, so you’re adequately covered if you need to make a claim. To calculate this, you need to select a cover level that equates to the total cost of your largest project, including labour and materials. This is the case even if your largest project spans over more than one year.
Engineering insurance offers cover for your plant equipment or engineering machinery and also protects against losses from unwanted breakdowns. Again Third Party Liability can also be included.
Excesses on trucks and trailers tend to be much higher than a standard vehicle, some can be as high as R395 000 on new trucks. This is due to the nature of the risk, the high values of new trucks and the extent of the damages than can occur in event of a claim and so it is highly recommended that you buy the excesses down to a reasonable level for an additional premium. It makes far more financial sense to pay a little per month than having to come up with very large excesses at claim time.
These are items that are normally worn or carried around with a client. Cover is worldwide
There are 2 types of All Risks:
Unspecified: Clothing and personal effects;
These are items normally worn or carried around with you outside your home. You select a lump sum figure to cover these. Depending on the product, the insurer may limit a claim settlement to 25% of the total sum insured per item, eg. You have a lump sum of R10 000 cover. Your handbag is stolen with a purse and various other personal items. You can claim up to R2 500 for the handbag and up to R2 500 for the purse.
Specified All Risks
This encompasses any other items such as cell phones, laptops, high value jewellery, etc. which is listed per item with its value on the policy.
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.
This insures the fixed structure against fire, lightning, explosion, storm, wind, water, flood, hail, bursting or leaking of water apparatus and pipes, impact damage. The house should be insured for full replacement value. This means that the buildings must be insured for the cost of re-building the property in its entirety INCLUDING the cost of tiles, plumbing, roofing, electrical work, architects and other professional fees. Please note that this applies to individual homes only.Should you live in a complex please refer to our Body Corporate page
Additional extensions either included or available at additional premium, depending on the insurer:
This insurance will cover the caravan against accident, theft and hijack. The caravan should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your caravan causing damage to third party property or third party vehicles.
Additional extensions either included or available at additional premium, depending on the insurer:
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.
This type of cover is normally held by logistics / transport brokers. The cover under this is meant to cover the goods only in the event that the standard goods in transit does not respond to a claim. The trucking client will normally have the goods in transit policy whilst the logistics broker will hold a goods in transit contingency policy.
This insurance covers the difference between the retail value of the truck / trailer and the amount outstanding to the bank. If at the time of an accident / claim you owe the finance company more than the current retail value of a truck / trailer due to interest and finance charges, this will cover the difference. It is very important cover as you wouldn’t want to be paying off a truck / trailer you no longer have due to the interest and finance charges.
If your truck has been stolen or hijacked or has to be in for repairs for any period of time following a valid claim this will cover you for a specified amount (that you choose) to cover the loss of income. You will also select the number of weeks you would like to be compensated. A premium will be charged according to the amount and number of weeks you choose.
Contract works insurance is an All Risk type policy for builders and covers accidental risks of physical loss or physical damage to the contract works during construction. The policy can pay out to repair or redo work in progress if damaged by events like fire, flood, storm, theft or vandalism. It also provides Third party Liability cover.
Businesses that need this type of insurance include property developers, building contractors, in fact just about anyone involved in the construction industry.
It’s important to buy the right level of contract works insurance, so you’re adequately covered if you need to make a claim. To calculate this, you need to select a cover level that equates to the total cost of your largest project, including labour and materials. This is the case even if your largest project spans over more than one year.
Engineering insurance offers cover for your plant equipment or engineering machinery and also protects against losses from unwanted breakdowns. Again Third Party Liability can also be included.
Excesses on trucks and trailers tend to be much higher than a standard vehicle, some can be as high as R395 000 on new trucks. This is due to the nature of the risk, the high values of new trucks and the extent of the damages than can occur in event of a claim and so it is highly recommended that you buy the excesses down to a reasonable level for an additional premium. It makes far more financial sense to pay a little per month than having to come up with very large excesses at claim time.
These are items that are normally worn or carried around with a client. Cover is worldwide
There are 2 types of All Risks:
Unspecified: Clothing and personal effects;
These are items normally worn or carried around with you outside your home. You select a lump sum figure to cover these. Depending on the product, the insurer may limit a claim settlement to 25% of the total sum insured per item, eg. You have a lump sum of R10 000 cover. Your handbag is stolen with a purse and various other personal items. You can claim up to R2 500 for the handbag and up to R2 500 for the purse.
Specified All Risks
This encompasses any other items such as cell phones, laptops, high value jewellery, etc. which is listed per item with its value on the policy.
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.
This insures the fixed structure against fire, lightning, explosion, storm, wind, water, flood, hail, bursting or leaking of water apparatus and pipes, impact damage. The house should be insured for full replacement value. This means that the buildings must be insured for the cost of re-building the property in its entirety INCLUDING the cost of tiles, plumbing, roofing, electrical work, architects and other professional fees. Please note that this applies to individual homes only.Should you live in a complex please refer to our Body Corporate page
Additional extensions either included or available at additional premium, depending on the insurer:
This insurance will cover the caravan against accident, theft and hijack. The caravan should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your caravan causing damage to third party property or third party vehicles.
Additional extensions either included or available at additional premium, depending on the insurer:
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.
This type of cover is normally held by logistics / transport brokers. The cover under this is meant to cover the goods only in the event that the standard goods in transit does not respond to a claim. The trucking client will normally have the goods in transit policy whilst the logistics broker will hold a goods in transit contingency policy.
This insurance covers the difference between the retail value of the truck / trailer and the amount outstanding to the bank. If at the time of an accident / claim you owe the finance company more than the current retail value of a truck / trailer due to interest and finance charges, this will cover the difference. It is very important cover as you wouldn’t want to be paying off a truck / trailer you no longer have due to the interest and finance charges.
If your truck has been stolen or hijacked or has to be in for repairs for any period of time following a valid claim this will cover you for a specified amount (that you choose) to cover the loss of income. You will also select the number of weeks you would like to be compensated. A premium will be charged according to the amount and number of weeks you choose.
Contract works insurance is an All Risk type policy for builders and covers accidental risks of physical loss or physical damage to the contract works during construction. The policy can pay out to repair or redo work in progress if damaged by events like fire, flood, storm, theft or vandalism. It also provides Third party Liability cover.
Businesses that need this type of insurance include property developers, building contractors, in fact just about anyone involved in the construction industry.
It’s important to buy the right level of contract works insurance, so you’re adequately covered if you need to make a claim. To calculate this, you need to select a cover level that equates to the total cost of your largest project, including labour and materials. This is the case even if your largest project spans over more than one year.
Engineering insurance offers cover for your plant equipment or engineering machinery and also protects against losses from unwanted breakdowns. Again Third Party Liability can also be included.
Excesses on trucks and trailers tend to be much higher than a standard vehicle, some can be as high as R395 000 on new trucks. This is due to the nature of the risk, the high values of new trucks and the extent of the damages than can occur in event of a claim and so it is highly recommended that you buy the excesses down to a reasonable level for an additional premium. It makes far more financial sense to pay a little per month than having to come up with very large excesses at claim time.
These are items that are normally worn or carried around with a client. Cover is worldwide
There are 2 types of All Risks:
Unspecified: Clothing and personal effects;
These are items normally worn or carried around with you outside your home. You select a lump sum figure to cover these. Depending on the product, the insurer may limit a claim settlement to 25% of the total sum insured per item, eg. You have a lump sum of R10 000 cover. Your handbag is stolen with a purse and various other personal items. You can claim up to R2 500 for the handbag and up to R2 500 for the purse.
Specified All Risks
This encompasses any other items such as cell phones, laptops, high value jewellery, etc. which is listed per item with its value on the policy.
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.
This insures the fixed structure against fire, lightning, explosion, storm, wind, water, flood, hail, bursting or leaking of water apparatus and pipes, impact damage. The house should be insured for full replacement value. This means that the buildings must be insured for the cost of re-building the property in its entirety INCLUDING the cost of tiles, plumbing, roofing, electrical work, architects and other professional fees. Please note that this applies to individual homes only.Should you live in a complex please refer to our Body Corporate page
Additional extensions either included or available at additional premium, depending on the insurer:
This insurance will cover the caravan against accident, theft and hijack. The caravan should be insured for retail value. Insurance cover on comprehensive basis will also include damage to third party property or vehicles as a result of your caravan causing damage to third party property or third party vehicles.
Additional extensions either included or available at additional premium, depending on the insurer:
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.
This type of cover is normally held by logistics / transport brokers. The cover under this is meant to cover the goods only in the event that the standard goods in transit does not respond to a claim. The trucking client will normally have the goods in transit policy whilst the logistics broker will hold a goods in transit contingency policy.
This insurance covers the difference between the retail value of the truck / trailer and the amount outstanding to the bank. If at the time of an accident / claim you owe the finance company more than the current retail value of a truck / trailer due to interest and finance charges, this will cover the difference. It is very important cover as you wouldn’t want to be paying off a truck / trailer you no longer have due to the interest and finance charges.
If your truck has been stolen or hijacked or has to be in for repairs for any period of time following a valid claim this will cover you for a specified amount (that you choose) to cover the loss of income. You will also select the number of weeks you would like to be compensated. A premium will be charged according to the amount and number of weeks you choose.
Contract works insurance is an All Risk type policy for builders and covers accidental risks of physical loss or physical damage to the contract works during construction. The policy can pay out to repair or redo work in progress if damaged by events like fire, flood, storm, theft or vandalism. It also provides Third party Liability cover.
Businesses that need this type of insurance include property developers, building contractors, in fact just about anyone involved in the construction industry.
It’s important to buy the right level of contract works insurance, so you’re adequately covered if you need to make a claim. To calculate this, you need to select a cover level that equates to the total cost of your largest project, including labour and materials. This is the case even if your largest project spans over more than one year.
Engineering insurance offers cover for your plant equipment or engineering machinery and also protects against losses from unwanted breakdowns. Again Third Party Liability can also be included.
Excesses on trucks and trailers tend to be much higher than a standard vehicle, some can be as high as R395 000 on new trucks. This is due to the nature of the risk, the high values of new trucks and the extent of the damages than can occur in event of a claim and so it is highly recommended that you buy the excesses down to a reasonable level for an additional premium. It makes far more financial sense to pay a little per month than having to come up with very large excesses at claim time.
