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Get a Personal, Business, Life or Funeral Insurance Quote today with a company that cares about you. Let us show you how much you can save.
Get covered with Insure Safe Advisors.
Get a Personal, Business, Life or Funeral Insurance Quote today with a company that cares about you. Let us show you how much you can save.
Get covered with Insure Safe Advisors.
It is expected that professionals or those giving specialist advice will act with skill and care when providing services to clients. Should there be negligence in carrying out these services, they could be held legally liable for the consequences. Liability arises when there is a breach in contract and financial losses are incurred.
Should you be accused of negligence, as a business owner/PT you need to be prepared. You can’t ignore such accusations and will need to defend yourself, which is where this policy comes into its own. Not having this cover in place can have serious consequences if a claim is made against you, especially in today’s environment of heightened consumer awareness.
Insurance cover designed for individuals that are involved with health and wellness, sport coaching, instructing, and training of individuals. this insurance covers Coaches, Personal Trainers, Group Trainers (Spinning, Pilates, Yoga, Body Conditioning, etc), Coaches (Cricket, Cycling, Soccer, Rugby, Tennis, Athletics, Netball, etc), Instructors (pole, dance, Pilates, etc), and anything else that falls within this ambit of cover required.
A professional indemnity policy provides cover for defence costs as well as for any damages payable as a result of a court award. It can also cover the reimbursement of the litigant’s expenses, if applicable.
Prime Asset Cover is a tailored Income Protection Policy that protects you “the Prime Asset” in your business in the event of illness or accident, whether you’re the owner, a commission earner, a freelancer or a key staff member.
In the event of an accident, cover is immediate and in the event of illness cover pays after only 4 days, for up to 6 months per occurrence.
Unlike other products with longer waiting periods Prime Asset covers you immediately. You don’t have to worry about the end of the month when bills have to be paid. Prime Asset Cover is affordable so that you don’t have to carry the risk of illness or injury.
Insurance for individuals or groups travelling locally on internally for leisure or business.
Covers:
Is also known as building insurance. It is a policy which specifically covers the building structure of a home against accidental loss or damage caused by fire, theft or natural disasters like floods.
Covers everything in your house against theft, fire, malicious or weather damages (storms, flooding, lightning).
Contents insurance covers the financial cost of repairing or replacing your household personal possessions and furnishings, such as curtains, furniture, white goods, stereo, TV, computers and other electrical appliances, clothing, jewellery, sporting equipment and even toys.
If items are insured under this section, each item will be separately insured; therefore an individual rate would apply to each item, depending on the level of risk associated with that specific item. For example a cellular phone would carry more risk than a watch. It is important to have valuation certificates for these items, to prove that they are the property of the insured as well as to prove the value in the event of a claim.
Under this type of cover you can insure items normally taken away from the house against an unforeseen event, without having to state each and every item.
There is usually a monetary limit for any one article under this section, if one item included in this section exceeds about R1 000 or R1 500 (depending on the various companies), it must be specified.
You need to have motor insurance before you can drive your vehicle in a public place. It protects you, your vehicle and other motorists against liability in case there is an accident. It provides financial compensation to cover any injuries caused to people or their property.
You can add on vehicle car hire under this policy.
There are various value-added products that can be added onto this insurance. If the vehicle is financed, then credit shortfall / top up / gap cover should be selected. Credit shortfall insurance, or gap insurance, covers the difference between the amount your vehicle is insured for and how much you still owe on it to the finance house.
There are also these covers available; Scratch and dent, interior damage, tyre warranty, excess protector, extended motor warranty, motor service and maintenance plan.
Covers you for accident damage, theft and hi-jacking, and for your liability to other parties following a motorbike accident.
There are various value-added products that can be added onto this insurance. If the motorcycle is financed, then credit shortfall / top up/gap cover should be selected. Credit shortfall insurance, or gap insurance, covers the difference between the amount your motorcycle is insured for and how much you still owe on it to the finance house.
Covers you for loss or damage to your business caused by fire. Also covers power surges, includes an architects’ fees clause, a fi re extinguishing clause and more.
Safeguards the everyday operational assets of your place of business, from stationery and furniture to your staff ’s personal effects and even the loss of rent.
Protect against the possible loss of income resulting from a loss under a material damage section that interrupts normal business operations.
This section gives cover for items belonging to your business that you have specified. The items you specify will be insured against theft or damage, whether they are on your business premises or not.
This is designed to provide indemnity for sudden and unforeseen physical loss or damage to insured machinery. Cover can be provided for the costs to repair sudden and unexpected failure of electrical and mechanical production machinery (using new parts) and can be extended to cater for loss of profit while the machinery is being repaired following an event insured in terms of the machinery breakdown policy. In addition to the policy cover extends to include provision for breakdowns caused by operator error and ingress of foreign objects.
You have to have motor insurance before you can drive your vehicle in a public place. It protects you, your vehicle and other motorists against liability in case there is an accident. It provides financial compensation to cover any injuries caused to people or their property.
Cover against liability in the event of third-party death, illness or damaged property for which your business is held responsible.
Provides special risk cover to all individuals and businesses that own assets in South Africa. It covers civil commotion, riot, strike, lockout, public disorder, rebellion and revolution and terrorism.
SA’s first all-round third-party legal liability policy for small businesses. Now available at the click of a button.
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Affordable Liability Cover for Businesses with Under R20M Turnover – Including Public, Product & Defective Workmanship Liability. Now accessible, instantly and digitally.
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Tailored by Specialists – Professional Indemnity Cover That Truly Understands Your Profession. Expert cover. Digital convenience.
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Protect Your SME with expert Cyber Insurance for Real-World Threats. Built for SMEs. Delivered digitally.
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Whether it’s your money, identity, data, or even your child’s safety, knowing you’re protected makes all the difference. Personal cyber protection – now digitally accessible.
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Damage, an increasing rise in cultural crime and forgery can mean a serious loss in terms of your appreciating works and collectables. With iTOO Artinsure, we’ve got you covered.High-value cover, now just a few clicks away.
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Protect your masterpiece Delivering your collectables with care. Specialist cover for works that are in transit (road, sea or air) or on exhibition, locally or internationally.Seamless cover that moves with you – now digital.
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Classic cars require specialist valuations and claims handling techniques. Enjoy the drive knowing you’re covered by a specialist who is driven by the same passion.Timeless classics. Now with modern digital cover.
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One-Click Event Liability Cover for Fast, Budget-Friendly JOC Approval.Fast-track your event cover digitally.
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A Hole-in-One Should Be a Big Win – Not a Big Bill. With iTOO Hole-in-One Insurance, you bring the excitement, we’ll cover the prize! Your winning shot. Our seamless digital cover.
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Starting your own business requires you to take on a degree of risk. As a business owner, you already have the passion and drive to take on new challenges, but you will also be required to protect the value of the assets you purchase for your company. Insurance can help you recover when things go horribly wrong. From property losses related to items such as fire or theft, to liability issues should someone sue – or threaten to sue you. With the proper policies in place, you will obtain peace of mind and feel more comfortable in your new role as an entrepreneur.
This answer is based on the below factors:
•How quickly the item would need to be replaced if a claim occurred.
• How long it would take for you to be able to afford replacing the item in case of non-insurance.
•How much the item is worth versus the premium charged for it. This is a calculation that can only be done by the client as they would need to asses this based on their individual needs and circumstances.
Yes, you should include insurance expenses in your initial business plan and yearly budget. From a cash flow perspective, you’ll want to understand what kind of payment options and timing are available. When starting out, aim to separate your company assets from your personal items to determine the amount of insurance you’ll need to carry. To properly establish your new company, speak to a tax or legal advisor about formalizing the structure of your business.
Strictly speaking, retail value is the highest value a motor vehicle can be insured for. From lowest to highest – trade value, market value, retail value. However, some insurers are allowing clients to insure vehicles for an ‘agreed amount’ provided that the value can be justified and thereafter accepted by the insurer.
The cost of insurance is determined on a range of factors including the following:
• The value of the company assets you wish to insure.
• Number of employees.
• Specific risks associated with your industry.
• Your personal risk tolerance and the amount of liability protection you prefer.
Insure Safe Advisors believes in a “hands on” approach whereby we prioritise client interaction through in person meetings. This provides the client with the opportunity to ask as many questions as they would like for which immediate answers can be provided thus, eliminating any uncertainties and bringing about a better understanding for the client. Insure Safe Advisors goes the extra mile come claims time, handling the claim from start to finish on behalf of the client whilst providing feedback every step of the way. We form personal relationships with our clients and therefore, genuinely have their best interests at heart.
At Insure Safe Advisors, we put you first. Speak to one of our friendly consultants to satisfy your insurance needs.
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Looking for a specific insurance requirement? Over/under insured we can give you a comprehensive check and get your insurance on the right track.