PERSONAL INSURANCE
The term domestic lines insurance refers to any kind of insurance that covers individuals against loss that results from death, injury, or loss of property. These insurance lines generally protect people and their families from losses they couldn't afford to cover on their own i.e.
- House Contents
- All Risk
- Buildings
- Personal Computers
- Motor
- Personal Liability
- Personal Accident
- Pleasure Craft
BUSINESS INSURANCE
This type of insurance is used to insure businesses against insurable perils i.e.
- Fire
- Buildings Combined
- Office Contents
- Business Interruption
- Accounts Receivable
- Theft
- Money
- Glass
- Fidelity
- Goods in Transit
- Business All Risks
- Accidental Damage
- Public Liability
- Employers’ Liability
- Stated Benefits
- Group Personal Accident
- Motor Vehicles
- Motor Vehicles External & Internal Risks
- Electronic Equipment
- Machinery
MARINE & GOODS IN TRANSIT
Marine & Goods in Transit Insurance covers the loss or damage of cargo between the points of origin and final destination. It is also known as “goods in transit” insurance. Goods in transit via road, train, air or sea can be insured under this type of insurance. The cover can range from Fire, Collision and overturning to All Risk cover including theft and hi jacking.
HEAVY HAULAGE
Heavy vehicles and trailers are insured under this type of insurance.
SPECIAL EVENTS LIABILITY
Insurance for the entertainment industry:
- Events Cover (Event Liability, Event Cancellation, Abandonment or Postponement)
- Film & Commercial Producers
- Prize Indemnity
- Exhibition & Equipment All Risk
PROFESSIONAL INDEMNITY
Professional indemnity (PI) insurance is a commercial policy designed to protect business owners, freelancers and the self-employed if clients claim a service is inadequate. Any organisation which provides a professional service or gives advice could be sued if the recipient is unhappy with their work i.e.
MARINE INSURANCE
Although pleasure boats can be insured under a Personal policy or a Farmers policy the more commercial type of boats must be insured under a special type of boat insurance. You can insure watercraft such as boats, sail boats, ski boats, rubber ducks and for your liability to others if your boat is used for private and leisure use.
ENGINEERING
Engineering Insurance is special type of insurance that cater for the essential cover which affords economic safeguard against risks encountered during contract implementation and execution.
- Contractors All Risk (CAR)
- Erection All Risk Insurance (EAR)
- Engineering Project Insurance Cover (EPIC)
- Plant All Risks (PAR)
- Machinery Breakdown (MB)
- Loss of Profits (LOP)
- Deterioration of Stock (DOS)
- Dismantling, Transit and Erection
- Computer and Electronic Equipment (EEI)
GOODS IN TRANSIT
Goods in transit via road, train, air or sea can be insured under this type of insurance. The cover can range from Fire, Collision and overturning to All Risk cover including theft and hi jacking.
HAZARDOUS CHEMICALS
The transporting dangerous goods and other hazardous materials
In terms of the South African National Standard dangerous goods are split into several broad classifications:
In terms of the South African National Standard dangerous goods are split into several broad classifications:
- Class 1 – Explosives
- Class 2 – Gases which are compressed, liquefied or dissolved under pressure.
- Class 3 - Flammable Liquids
- Class 4 - Flammable Solids
- Class 5 - Oxidizing Agents and Organic Peroxides
- Class 6 - Toxic and Infectious Substances
- Class 7 – Radioactive substances
- Class 8 - Corrosive Substances can dissolve organic tissue or severely corrode certain metals
- Class 9 – Miscellaneous hazardous substances that do not fall into other categories, such as asbestos.
TOUR OPERATOR
Tour Operators Liability Insurance has become essential for the industry. One of the most serious regulations is the imposition of an almost strict liability for the “proper performance of the contract”, including liability for the actions of suppliers and sub-contractors.
DRIVING SCHOOL
Comprehensive motor cover for personal or business property belonging to the driving-school owner. Cover for the vehicle, even with a learner driver under instruction.
TAXIS
- Comprehensive Cover
- Passenger Liability
- Credit shortfall hospitality products are not restricted to one segment of the industry but are designed to cater for various types of establishments including B&Bs,
- restaurants, golf clubs and conference centres.
- Shuttle services
- School transport
- Fleet Specialized
- Insurance for Uber and Taxify
AGRICULTURAL PRODUCTS
This type of insurance is used to insure farms, crops against insurable perils i.e.
- Farming Implements
- Vehicles
- Irrigation Systems
- Fire & Spread of Fire
- Liability
- Livestock & Goods in Transit of Livestock
HOSPITALITY
These products are not restricted to one segment of the industry but are designed to cater for various types of establishments including:
- Conference Centres
- Bed and Breakfast
- Hospitality Policy
- Golf & Greens Policy
- Restaurant Policy