Business Insurance
Protect your premises, stock, people and liabilities.
Businesses face risks such as fire, theft, damage to stock and equipment, liability claims from customers, and employee-related obligations. The right combination of policies depends on your industry, size and contracts. With our experience supporting businesses since 2020, we help you understand which covers to explore.
Common business insurance covers
Property / fire insurance
Covers buildings, plant, machinery and stock against fire and specified perils.
Shop and office package policies
Bundled cover for small shops and offices, combining several protections in one policy.
Liability insurance
Public liability, product liability, professional indemnity and directors & officers cover.
Employee benefits
Group health, group personal accident and group term life for staff.
Marine / transit cover
For goods in transit by road, rail, sea or air.
Cyber insurance
For certain losses arising from cyber incidents and data breaches, where available.
Things to consider
- Accurate valuation of assets and stock to avoid under-insurance.
- Contractual insurance requirements from clients, landlords or lenders.
- Industry-specific risks and statutory requirements.
- Deductibles, exclusions and claim documentation.
- Reviewing cover annually as your business grows.
Who it's for
Proprietors, partnerships, MSMEs, shops, offices, manufacturers, traders and service businesses.
How we help
- Understand your requirement and any cover you already have.
- Explain the features, exclusions and costs of options that may suit you.
- Help you understand the proposal form and the documents the insurer may ask for.
- Stay available for renewal reminders and questions about the claim process.
Frequently asked questions
We are a small business. Where should we start?
Most small businesses start by protecting premises and stock, then look at liability and employee covers. We can help you list your key risks.
Can you help with group health insurance for staff?
Yes, we can help you understand group health options. Terms depend on team size and the insurer.
Do lenders require insurance on business assets?
Many lenders require assets financed or offered as security to be insured. Check your loan agreement.
Prefer WhatsApp?
Message us for quick help with insurance. Please don't share OTPs, passwords or documents in chat unless our team explains why they are needed.
Not sure which cover you need?
Talk to us — we'll help you understand your options before you decide.