Business & Commercial Insurance · Cape Town

One uninsured risk can undo years of building your business.

A plain-English breakdown of what business and commercial cover actually protects, and the gaps that catch small business owners out.

Book a free 15-minute call
No obligation. No spam. Just a straight conversation about your cover.
RE5 qualified adviser
Accredited with multiple leading South African insurers
The basics

What's actually covered — and what isn't

Business buildings and contents

Fire, storm, and theft cover for your premises and business assets.

Professional negligence

Advice or service errors need separate professional indemnity cover.

Public liability

Claims from third parties injured or damaged as a result of your business activities.

Cyber incidents

Data breaches and ransomware typically need a dedicated cyber policy.

Business interruption

Loss of income while you recover from an insured event, subject to policy terms.

Employee dishonesty

Theft or fraud by staff needs separate fidelity cover, not included by default.

Cover gap check

The four gaps most small businesses carry unknowingly

No business interruption coverAssets get repaired, but there's nothing covering lost income while you're closed.
Liability limit too lowA single serious claim can exceed a limit that was set years ago as a formality.
Stock and assets undervaluedSum insured never updated as inventory or equipment value grew.
No goods-in-transit coverStock or equipment damaged or lost while being moved often isn't automatically covered.
Pricing factors

What actually moves your premium

Factor 01

Nature of the business

Industry risk profile is one of the biggest single factors in commercial pricing.

Factor 02

Turnover and asset value

Higher revenue and asset values generally mean higher cover limits and premiums.

Factor 03

Number of employees

Staff headcount affects liability and, where relevant, fidelity exposure.

Factor 04

Premises security

Alarm systems, security guards, and access control all factor into risk pricing.

Factor 05

Claims history

A clean claims record on the business's current policy works in your favour.

15 minutes. No pressure. Just clarity.

We'll go through your current business cover and flag where a single claim could exceed what you're protected for.

How it works

Three steps, start to finish

Book a 15-minute call

Pick a slot that works for you — no forms to fill in first.

We review your situation

Your current cover, your assets, your budget — a proper needs analysis, not a quote bot.

You get a clear recommendation

Only once I understand your situation — never before.

Questions

Common questions

Is this page giving me financial advice?

No. This page is educational only. Personalised advice only happens after a proper needs analysis on a call, as required under South African financial services regulation.

I'm a sole proprietor — do I need separate personal and business cover?

Generally yes. Business assets and liability risks usually fall outside a standard personal policy.

Does this cover mistakes in professional advice I give?

No — that falls under professional indemnity cover, which is a separate, specific policy.