Commercial Insurance

Pan African Insurance Brokers offer a full suite of solutions to protect your business. Whether you are self-employed, run a small-to-medium business or a large multinational company, business insurance can help to protect you and your company against unexpected costs such as damage to property, a decrease in turnover and various legal costs (known as Liability). Business insurance can also offer credibility to your business, demonstrating to prospective customers and potential employees that your business can be trusted.
  • Property Insurance
Property insurance covers damage caused by perils such as fire, theft, vandalism, or natural disasters to the physical assets of a business. This includes but is not limited to buildings, equipment, inventory, and furnishings, money and employee interruption. This type of policy can also include business interruption insurance to compensate the business for lost income and extra expenses incurred because of damage caused to their property by fire or natural disaster.
  • Commercial Vehicle and Fleet Insurance
Vehicle insurance generally covers your business vehicles for theft, damage and third-party liability. This can be covered per vehicle or on a fleet basis if there is a larger amount of vehicles in your fleet. Special motor trader policies can be arranged for vehicles sold as stock and goods in transit cover can be arranged for companies that transport goods.
  • Business Interruption Insurance
Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected event such as fire, storm or flooding and aims to put your business back in the same trading position it was in before the event occurred.
  • General Liability Insurance
General liability insurance provides coverage for claims of bodily injury, property damage, and personal injury arising from the premises, operations, or products of a business. It protects professionals from lawsuits filed by clients, vendors, or other third parties for accidents or incidents that occur on their business premises or because of their business activities.
  • Directors’ and Officers’ Liability
The top dogs in your business are often at the greatest risk of litigation. If your company has directors or key employees, this insurance covers the cost of defence against wrongful act claims and helps with compensation if your execs are successfully prosecuted by shareholders, investors, employees, regulators or third parties.
  • Goods In Transit Insurance
Goods in transit insurance (also known as GIT insurance) insures your property if it is lost, stolen, damaged, or not delivered while it is being moved. This flexible policy can protect many types of drivers, Couriers. Companies delivering customer orders.
  • SASRIA
SASRIA provides special risk cover to businesses in South Africa that own assets, if you have opted in for SASRIA cover in your insurance policy the cover extends to damage caused by protests, riots and strikes. These are the common examples of the types of insurance a business may require but the insurance need can vary depending on factors such as the nature of their business, industry regulations, and risk exposure.

Consulting with an insurance specialist can help businesses assess their insurance needs and select appropriate coverage options to protect their assets and mitigate potential liabilities.

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