Our Services
Commercial Lines
We have partnered with industry leaders who are tried and tested both in the market but also by ourselves. We can provide a vast range of Commercial Insurances including but not limited to:
- Fire Section (Plant, Machinery, Buildings, Stock in Trade, Raw Materials and the like)
- Buildings Combined
- Office Contents
- Business All Risks (business portable possessions)
- Electronic Equipment
- Accidental Damages
- Mechanical Breakdown section
- Goods in Transit
- Theft
- Glass
- Motor Fleet
- Motor Vehicle Public Legal Liability
- Directors Liability
- Fidelity Guarantee
- Money
Personal Lines
Through several insurer partners we can provide a range of covers for your Household including but not limited to:
- Buildings
- House Contents
- All Risk/Personal Portable Possessions
- Motor Vehicles
- Motor Vehicles, Quads, Golf Carts
- Boats, Yachts and Light Aircraft
- Personal Legal Liability
- Home Busineses
- Travel Insurance
Specialist Cover
We have a select few insurers whom we can trust our clients with, allowing us to provide various niche covers such as:
- Plant All Risks
- Contractors All Risks
- Contractors Liability
- One-off Goods in Transit options
- Logistics & Fleet Insurance
- Professional Indemnity Insurances
Body Corporates & Homeowners Associations
We offer several options to Body Corporates and Home Owners Associations for both commercial and residential properties.
The covers are geared toward these entity types and their needs but each insurer differs slightly in their niche offering. We can quote this cover with each and make a recommendation on which is best suited for your Body Corporate or HOA. We have experience with Body Corporates, both commercial and residential, and insure Parks and Estates in KZN and Cape Town of varying sizes and values.
Aside from the various Buildings and common property cover needs, Body Corporates – per the Sectional Titles Act and CSOS – should also take up:
•Fidelity Guarantee cover and
•Trustees Indemnity cover
Which we can provide though the insurers or on standalone polices which, in some instances, is more competitive if placed with the right insurer product. We can take you through that process and provide advice around insurance, the Acts that affect the body corporate and it’s cover requirements as we have experience in this regard and seek our own advice from legal partners if necessary.
Risk Analysis and Guidance
Reducing risk or removing them entirely can potentially reduce your premium and lowers the chances of costly claims. To do this, one needs to first analyze the potential risks and implement the appropriate steps to avoid them or remove them entirely. That is where we can help. To find out more, contact us today.
We look at your commercial property or operation through the lens of an insurance surveyor or assessor, taking note of vulnerabilities, procedures, processes, current risk reduction measures in place as well as keeping in mind the current safety and fire requirements of the various Laws and Acts that are applicable. Once done, we will provide a report that may consist of two parts. The first being what the insurers will require as a condition of cover and the second part being any non-compulsory measures that you can chose to implement that will help reduce the chances of loss. Prevention is better than the cure.
Financial Planning Partners
With a hear for our clients best interests to be catered for, we have teamed up with Financial Planners who, under their own license and expertise, can provide a detailed plan that is customized to your long term financial needs.
In order to offer more value and more solutions to Our Clients, we have partnered with Financial Planners who can, under their own brand & license, provide bespoke service for Investment Management, Personal Financial Planning, Wealth Management, Estate Planning, and Healthcare. They can also provide Group benefits for businesses. Contact us today to find out more on this essential insurance.
