The Cost of Business Building Insurance What You Need to Know
August 15, 2025
As a business owner in South Africa, you’re constantly looking for ways to protect your assets and ensure the long- […]
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Get business insurance quotes that are tailor-made for your specific type of establishment or company – over-insurance is unnecessary and clients who are over-insured pay an unnecessarily high premium.
As direct insurance becomes a demand, more and more business insurance companies in South Africa are growing horizontally to offer business insurance products.
While no two businesses are identical, the insurance policies that businesses opt for may include the same cover, such as buildings, contents and vehicle cover. Direct business insurance companies in South Africa enable business owners to compile their own insurance portfolios based on only those risks relevant to their operations. Business insurance is available, either direct or through a broker, from the business insurance companies in South Africa listed below. (For a range of business insurance quotes, fill in our online form and an insurance representative will give you a quote from various insurers.)
Check out the latest article if you’re a business owner – Business insurance for entrepreneurs
Chartis Insurance
Chartis South Africa, the local division of the American-based insurance company, provides a full range of commercial insurance for large and small businesses. Being international, Chartis has an extensive global network and can thus provide advice to companies who have expanded into foreign territories, to help such companies meet local regulations. Also a personal lines insurance company, Chartis provides accident and health, buildings, contents, motor, and theft of identity (individuals and households) insurance.
Their range of business insurance products can be combined to cater for almost all businesses. The following products are available through Chartis business division. Chartis business insurance for assets The commercial lines insurance for assets includes business vehicles, property and cargo. What’s more the property can be insured against terrorism and sabotage, a product unlikely to be find elsewhere in South Africa.
Hollard Business Insurance
Although known for their funeral cover and Pay As You Drive car insurance, Hollard has partnered with specialist insurance underwriters to provide an extensive array of business insurance products. These include engineering insurance, travel insurance, heavy commercial vehicles, marine insurance, life employee benefits, and accident and sickness acceptance cover for employees. Hollard business insurance for engineering For engineering businesses, Hollard has partnered with Scintilla, specialist engineering insurance underwriters with over 50 years experience. Their list of products includes contractor’s all risk insurance, liability cover as well as machinery breakdown and electronic equipment. What’s more, Scintilla include advanced loss of profits and civil engineering completed risks. If you are insuring your business vehicles and are over-insured you will be paid out only at the market-related resale value should you experience total loss of your car or part of your fleet. Because a vehicle depreciates on an annual basis you should reassess and adjust the cover that you pay which should reduce your monthly premiums.
The experience the company has in engineering cover can be extended to projects in other African countries, as they understand the risks associated with such. This caters for international contractors. Hollard business insurance for travel While not specifically a business insurance product, Hollard’s travel insurance by Oojah caters for companies and individuals (as well as their families) on while travelling. It provides cover for personal accident and liability, repatriation, medical expenses and luggage (as well as cancellation and curtailment). Oojah offer some of the most comprehensive travel insurance policies in the market, essential for employers […]
1st for Women Insurance
The insurance company for women hasn’t stopped at home and car insurance but includes business cover. 1st for Women business insurance covers small to medium businesses (such as florists, hairdressers, retailers, funeral parlours, locksmiths and others), professionals (accountants, lawyers, auditors, brokers and financial advisors), and corporates (including travel agents, estates agents, training centres and others). They don’t just cover the businesses assets and vehicles but provide a range of business insurance products.
1st for Women Professional Assist – The professional assistance first for women business cover provides ranges from labour assistance to technical assistance. The labour assistance provides businesses with access to labour professionals to make sure that your business is always compliant with labour laws. The legal assistance portion functions as legal cover by giving businesses 24-hour access to legal counsel. They also provide documentation drafting. The computer or technical assistance helps with hardware, software, internet and virus issues, available 24/7.
Budget Insurance
For more than a decade, Budget has offered the South African public the opportunity to enjoy great insurance products at low premiums. They focus on bringing you great value for money on your car, home and business insurance and automatically include Assist Benefits in their policies; ensuring you always have assistance when you need it.
Budget Business Insurance is designed to cater for the unique needs of your business at low premiums. All business policies automatically include Biz Assist that provides 24/7 free online and telephonic support, ensuring your business is comprehensively looked after in all circumstances.
DIB Insurance
DIB Solutions have been providing financial services since 2007. They have agreements with a wide range of reputable insurers in South Africa, enabling them to place car, home, business and commercial insurance at affordable tailor-made premiums. Their business insurance offers competitive comprehensive cover after an in-depth needs analysis.
They can insure anything from a horse to a plane, and if their insurers can’t assist, they will try to find a company that will.
OUTsurance
OUTsurance business insurance is tailor-made around the unique needs of your business. No matter how big or small your business, OUTsurance offer impressive world-class service, affordable pricing and all-inclusive business insurance products. They offer fixed excess amounts, no matter how big your claim, 12-month guaranteed premiums, no hidden costs, and no fine print.
All OUTsurance business insurance advisors are FAIS compliant and know the product inside out. This presents you with the perfect opportunity to get expert advice on the best possible insurance product for your business. OUTsurance has tailor-made business insurance packages for certain industry types, including dentists, medical professionals, the food industry, hotels, guesthouses and body corporates. So, whether you’re a hairdresser, a chef, a landscape architect or a plumber – they have a product that will fit around your unique business insurance needs.
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