Business insurance can be broken down into different categories. Here is a brief overview of each one. Although these aren’t exact products we have on offer, they certainly are a list of the types of commercial insurance that we are able to cover.
Property Insurance
This insurance provides protection against any loss or damage to the business and its contents. It also can include any property that is in your control. It insures loss due to fire for example. When insuring the business property it is good to check what loss the policy will cover.
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Business Liability Insurance
Business liability insurance costs vary from one insurer to the next, but more specifically from one business to the next as each is faced with a unique set of perils.
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Casualty Insurance
Some insures will group property and casualty insurance together. This package can be a better one to buy. Casualty insurance insures against loss or damage to the business.
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This insurance insures against liability legally imposed upon your business because of negligence of the business or its employees. This means that it protects your business if it is sued.
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Commercial Vehicle insurance
This insurance protects any damage to business vehicles and damage caused to others by those vehicles.
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Workers Compensation cover
Your employees need to be insured against on the job injuries. If an on the job injury occurs an employee cant sue the business, instead the employer is required to payout for medical bills and damages.
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Business Interruption Insurance
If the business is unable to operate due to interruption, this insurance insures against loss or damage to cash flow and profit.
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Health Insurance
Most businesses will offer their employees health insurance. This is a benefit to employees as they receive health coverage.
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All business insurance policies are different. When you are looking for business insurance it is best to shop around and find one that covers exactly what you need.
Let businessinsurance.co.za who has built up the relationships with insurance companies in South Africa be the first to assist you.
Business Insurance News