Buy and Sell Contracts and Insurance
Where business co-owners buy insurance on each other’s lives in order to buy out the shares due death and disability.
Key person/ Keyman Insurance
Where the business buys insurance on an employee’s life due to death or disability in order to cover potential financial losses.
Pension/ Provident Funds
Where a businesses helps employees save for retirement as well as offer group life and disability in one package.
Group Funeral Cover
Offer affordable funeral policies for employees.
Perils (Fire, lightning or thunderbolt, explosion such additional perils as are stated in the schedule to be included) cover for contents, fixtures & fittings, stock, etc.
Commercial building cover.
Commercial cover for office furniture and other loose-standing items.
Income losses due to the interruption of the business due to an insured event.
Financial losses due to the loss or damage to business books.
Theft or attempted theft and/or damage to business due to forcible or violent entry.
Loss of money due to theft (normally non-employees).
Damage/ Loss to windows and other glass as well as sign writing.
Loss of money, property, fraud, etc. due to employee dishonesty.
Goods In Transit
Losses of transported goods as specified in the policy.
Business All Risks
Items not confined to the office but used for business including laptops, projectors, cellular phones, etc.
Accidental physical loss of or damage to the insured property.
Covers losses or damage to 3rd party (including death) and/ or their property whilst conducting business.
As personal liability but covers employees.
Products Liability/ Defective Workmanship
Covers losses due to defective products and/ or the uses thereof and/ or defective workmanship.
Covers losses due to wrongful advise and/ or design.
Directors’ & Officers Liability
Covers losses due to negligence and/ or fraud of the company’s directors and/ or officers.
Covers bodily injury to employee of company.
Group Personal Accident
As Stated Benefits but in group form.
Vehicles used by business.
Covers loss/ damage to electronic equipment used for business.
Cover for car dealerships, panel beaters, etc. where 3rd parties handle vehicles.
Unforseen or physical damage to machinery used for business.
Loss Of Profit
Any loss due to the breakdown of machinery.
Physical building cover including geysers, gate motors, etc. for joint property owners for example complexes.
Specialist insurance involving inland transportation of goods involving trucks, etc.
As Transport including export and import of goods.
Contractors All Risk (CAR)
Cover for construction sites including building material, etc.
Plant All Risk (PAR)
Cover for equipment used for construction sites including cranes, etc.
Group Medical Aid
Voluntary and compulsory group medical aid. Waived underwriting for groups bigger than 10 members.
Group Gap Cover
Additional cover for in hospital specialists, etc. as well as co-payment cover for groups.
Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.
In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.
- Asset allocationAsset allocation is used to distribute your investable assets among a variety of investment categories. This process aims to: reduce overall investment risk, create more reliable investment forecasts, improve the risk/return tradeoff of your portfolio.
- Alternative investmentsAlternative investments may also be an option for the right investor. One of the premier benefits of alternative investments is diversification, resulting from the inclusion of investments that react differently to the markets than more traditional investments.