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General Insurance

Every business carries risk.

At Sanlam we provide various tailor-made, specialised products to ensure that your business and employees are protected against the risks you face while you take care of managing and growing your venture.

Our business insurance cover will give you peace of mind in terms of the following:

Fire and Perils

  • Covers loss of / or Damage to Property by Fire, lightning, thunderbolt, earthquake, volcanic eruption or subterranean fire, Storm, tempest, Flood orother allied perils

Business Interruption

  • This provides compensation to your business for consequential losses incurred as a direct result of the perils covered under Fire and Perils.

Covers assets against loss or damage resulting from theft, house breaking or hold-up upon an actual forcible and violent entry of or exit from the premises.

Covers loss of or damage to the property insured by Fire, Theft or any Accidental means not excluded by the Policy

Fidelity Guarantee

  • This provides indemnity against direct pecuniary loss resulting from fraud or dishonesty of employees.

This offers compensation for death or disablement and medical expenses incurred in connection therewith, resulting from accidents on a 24 hours basis.

This covers against claims of personal injury or property damage caused by products sold or supplied through your business. It is designed to help protect your business by ensuring that if this happens, you don't have to pay any legal or court costs.

This indemnifies the insured against legal liability to third parties in respect of accidental death, bodily injury and / or illness and / or loss of or damage to property incurred in the course of the Insured’s business.

This covers the loss or damage of ships, cargo, terminals, and any transport or cargo by which property is transferred, acquired, or held between the points of origin and final destination.

This provides cover for the cost of physical loss or damage to building works, advanced loss of revenue/income, public liability, installation and constructional plant/machinery including hired-in plant and tools where you are responsible. It covers existing structures, temporary and permanent construction works plus materials should they be damaged or stolen prior to completion. The policy can be used to cover new builds, refurbishments, repairs or extensions.

This provides indemnity against sudden and unforeseen loss or damage to all the insured’s Electronic equipment as a result of any cause not specifically excluded by the policy. This includes loss or damage by Fire or theft and transit risks.

Plate glass

  • This provides indemnity following accidental breakage of plate glass.

Work Injury Benefits (WIBA)

  • This provides cover against liability under the Work Injury Benefits Act in respect of accidental death, bodily injury or illness/ disease to employees as declared arising out of and in the course of employment.

Employers liability

  • This indemnifies the insured in respect of death or injury to employees (including temporary and casual employees) arising out of and in the course of their employment at common law.

Good in Transit

  • Covers goods owned by the insured in respect of loss or damage in the course of transit caused by fire, collision and overturning of the conveyingvehicle.

Money in Transit

  • This covers Loss of money belonging to the insured or for which they are responsible in the situation specified and loss of or damage to safes in case of theft of money or attempt thereat.

This covers for losses or advancement of defence costs in the event an insured suffers such a loss as a result of a legal action brought for alleged wrongful acts in their capacity as directors and officers.

This covers any loss or damage by accidental means, theft, fire, malicious damage to the vehicle and Third Party Liabilities (death, injuries and property damage) in regards to commercial vehicles.

Sanlam Life Insurance is a licensed financial service provider.
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