Sometimes in business, it seems that what can go wrong, does go wrong. Luckily, commercial insurance can help you plan for every eventuality. Commercial Insurance offers invaluable protection against theft, property damage, business interruption, liabilities and for coverage in the event of an interruption of business or injured employees.
We at Daberistic Financial Services understand the importance of protecting your business against risks.
Commercial Insurance insures your business against losses due to Fire, Theft, Liabilities and Income Loss. The following can be included on your commercial insurance depending on your needs:
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Equipment and Machinery
Covers all your machines and equipment in your factory, workshop or restaurant.
Stock and Material in Trade
Covers your stock whether manufactured or material used to manufacture or for trading against theft, water damage, fire.
Rent
In a case where there is a loss which prohibits you to access your premises, the insurer will pay you an amount stated on the policy schedule to rent other premises to continue with your business operation.
Building
Your building and its fixtures and fittings will be insured against insured perils namely, Fire, Storm, Thunderbolt, Lightning. Cover will also extend to cover water features like Geysers if included on the policy and paying an additional premium for it.
Office Contents
Most businesses have furniture at their premises, which can be damaged by insured perils. This cover will office contents like tables, chairs, fridges, microwaves, paintings, flower pots, lose carpets and cupboards.
Theft
Theft cover is there to insure that in the event of a break in or burglary your business is covered for the loss as well as damage to your property.
Public Liability
If someone slips and fall at your premises where an injury is caused, you could be held liable. It is important to cover your business for possible liability for third party claim.
Employer Liability
Most companies value their employees and would make sure that there is cover if there can be any injuries sustained while still under the contract of employment.
Electronic Equipment
Most businesses rely heavily on their computers and electronic equipment for the smooth running of their business. This cover protects your valuable electronic equipment.
Business All Risk
When running a business it is important to protect your equipment whether in or out of the premises. The covers your equipment everywhere.
Business Interruption
If an unexpected event brings your business to a standstill, and the business loses income as a result, whilst we still have company overheads to pay, e.g. salaries, bills. Having this cover will remove the burden on your shoulders as an agreed amount will be paid monthly for the stipulated number of months.
Glass
Most businesses who rent properties are responsible for glass as per the lease agreement, glass cover includes signage on the glass itself or overhead glass signage.
Money
Most businesses carry money at their premises during business hours, you can include money section on your policy provided you comply with the insurer requirements as far as limits and type of safe is concern.
Accidental Damage
Sometimes unforeseen events do happen at your business whilst not expected. For an example, a shelf just collapsed and the TV that’s on it breaks. This cover protects things that accidentally breaks.
SASRIA
SASRIA is the only insurer in South Africa that provides cover for loss or damage to insured property as a direct result, of civil commotion, public disorder, strikes, riots and terrorism. SASRIA does not do direct business with the public but is included in most commercial and domestic insurance policies. Read more
Covers all your machines and equipment in your factory, workshop or restaurant.
Stock and Material in Trade
Covers your stock whether manufactured or material used to manufacture or for trading against theft, water damage, fire.
Rent
In a case where there is a loss which prohibits you to access your premises, the insurer will pay you an amount stated on the policy schedule to rent other premises to continue with your business operation.
Building
Your building and its fixtures and fittings will be insured against insured perils namely, Fire, Storm, Thunderbolt, Lightning. Cover will also extend to cover water features like Geysers if included on the policy and paying an additional premium for it.
Office Contents
Most businesses have furniture at their premises, which can be damaged by insured perils. This cover will office contents like tables, chairs, fridges, microwaves, paintings, flower pots, lose carpets and cupboards.
Theft
Theft cover is there to insure that in the event of a break in or burglary your business is covered for the loss as well as damage to your property.
Public Liability
If someone slips and fall at your premises where an injury is caused, you could be held liable. It is important to cover your business for possible liability for third party claim.
Employer Liability
Most companies value their employees and would make sure that there is cover if there can be any injuries sustained while still under the contract of employment.
Electronic Equipment
Most businesses rely heavily on their computers and electronic equipment for the smooth running of their business. This cover protects your valuable electronic equipment.
Business All Risk
When running a business it is important to protect your equipment whether in or out of the premises. The covers your equipment everywhere.
Business Interruption
If an unexpected event brings your business to a standstill, and the business loses income as a result, whilst we still have company overheads to pay, e.g. salaries, bills. Having this cover will remove the burden on your shoulders as an agreed amount will be paid monthly for the stipulated number of months.
Glass
Most businesses who rent properties are responsible for glass as per the lease agreement, glass cover includes signage on the glass itself or overhead glass signage.
Money
Most businesses carry money at their premises during business hours, you can include money section on your policy provided you comply with the insurer requirements as far as limits and type of safe is concern.
Accidental Damage
Sometimes unforeseen events do happen at your business whilst not expected. For an example, a shelf just collapsed and the TV that’s on it breaks. This cover protects things that accidentally breaks.
SASRIA
SASRIA is the only insurer in South Africa that provides cover for loss or damage to insured property as a direct result, of civil commotion, public disorder, strikes, riots and terrorism. SASRIA does not do direct business with the public but is included in most commercial and domestic insurance policies. Read more