Personal insurance for you and your family
Personal Lines covers the policy holder against physical loss of their assets.
Personal lines protect the policy holder from unforeseen everyday life occurrences such as, but not limited, to accidents, fire, theft, burglaries, robberies, liability and local or International travel perils.
Coverage of assets is normally calculated at the replacement values.
Examples of a policy can include a total portfolio combining buildings, contents, vehicles, pleasure craft and other items or can also be a single item thereof.
Commercial Insurance for your business
Commercial products will provide cover from a sole proprietor business owner to a chain of large business’s and anything in between.
Business cover are quite complex and can be made up of more than 30 sections and subsections, therefore a commercial portfolio will be compiled according to every business's needs and requirements.
We advise to get a professional involved and not to “DIY” this cover.
Assist
There is a package of benefits specifically aimed at taking away the difficulties experienced in and around the house / office.
Value Added Products
These products are optional cover and take the pinch away from a financial burden should a loss occur. This can include any of the following cover, according to your needs or requirements
- Vehicle hire
- Various excess waivers such as building, contents, vehicle and geyser
- Rim & Tyre Cover
- Windscreen Cover
- Scratch Cover
- Shortfall Cover
- Depreciation of vehicles
Special Risk
These products are designed for business’s and focus on subjects not available with a conventional commercial policy. According to business needs the following can be bought as optional.
- Cyber Cover
- Kidnap & Ransom
- Fine Art Dealers & Auctioneers
- Medical Malpractice
- Aviation
- Photography
- Broadform Liability
- Political Violence & Terrorism
- Classic Cars
- Prize Indemnity
- Clinical Trails
- Renew Risk
- Court Bonds
- Schemes
- Directors & Officers Liability
- Surething
- Drones
- Trade Credit
- Employment Practice Liability
- Trustee Liability
- Environmental Liability
- Vet Protect
- Event Liability
- Film Completion Bonds
- Financial Institutional Crime
Travel Insurance
Depending of the chosen cover this includes local or international Travels upto R100 000 000 inclusive of with various unforeseen medical expenses, cancellations and liabilities for
- Business
- Immigration
- Leisure
- Senior travel cover
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