Compare your business insurance options

Having the right cover gives you peace-of-mind that if something happens, you’re in the clear.

We've compiled a full guide for small business owners to compare business insurance types and options - and find the right cover.
Compare Business Insurance
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Types of Business Insurance

Public Liability Insurance

Insurance against being held legally responsible by a third party for death, injuries or damage to property.

Business All Risk

Cover your business items regularly taken away from your business premises, like laptops, cellphones and more.

Business Vehicle Insurance

There are three types of commercial vehicle insurance in general. We'll explain all three inside.

General Business Insurance

Catch-all cover for any important business items or assets that you want to protect. This is generally worked out with your broker or insurance company.

Business Interruption Insurance

Get cover for the potential loss of income your business could suffer in the case of an unexpected event.

Business Property Insurance

Cover your property, buildings, office equipment and contents against loss and damage.

Professional Liability Insurance

Offering a service to customers? You may want to protect your business against any claims that result from that service being rendered.

Credit Risk Insurance

Regularly deal with outstanding payments from debtors? If you're concerned that they might default on payment, credit risk insurance may be an option.

Why Business Insurance?

Your business is exposed to risk every day

Whether it's a fire, rioting, or an employee making a mistake on the job, your business is exposed to risk from all angles. Whether you are aware of it or not, there's always something around the corner. Having the appropriate cover gives you peace-of-mind that if something goes wrong - you don't need to scramble.

A lot is out of your control

As a business owner, you might be thinking that you are responsible as an individual and you operate your business with care and the appropriate risk measures. No matter how much you do to protect your business, there are outside influences that may impact you, and that might mean that your business is held liable.

It comes with added benefits

Business insurers have started offering much more than just insurance. That means when you pay your premiums, you often get access to a suite of value-add services - at no extra charge. These include marketing, legal, operations and more.
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Your Options, Compared

Here are a few premium insurance brands in South Africa that we've compared for you.

Auto & General

A trusted name in South African business insurance.
Best For

Businesses looking for the most comprehensive cover, from a trusted insurance brand in South Africa.

Features

Business assist, including:

  • Financial advice service
  • Emergency medical assist
  • Tender assist
  • Road assist
  • Business concierge
Types of Cover
Business Interruption
Public Liability
Employee Liability
Property Insurance
Vehicle & Equipment Insurance
Specialized Liability Cover
3+ More
Find Out More

Budget Insurance

A premium brand, at an affordable price.
Best For

Price-conscious business owners where low premiums are the number one priority.

Features

Business Assist included

  • Road Assist
  • Home Assist
  • Trauma Assist
  • Medical Assist
  • Legal Assist

Cash Back Bonus for low claim rate

Types of Cover
Business Interruption
Public Liability
Employee Liability
Property Insurance
Vehicle & Equipment Insurance
Specialized Liability Cover
3+ More
Find Out More

Virseker

Virsekering in jou taal. Insurance, in your language.
Best For

If you prefer to do business in Afrikaans, and have your insurance dealings with Afrikaans-speaking people.

Features

Do your personal insurance policy in one go.

Coverage for more than 700 types of businesses.

A portion of your premium goes towards the Virseker Trust - for the prosperity & survival of Afrikaans through teaching initiatives.

Business Assist included

‍

Types of Cover
Business Interruption
Public Liability
Employee Liability
Property Insurance
Vehicle & Equipment Insurance
Specialized Liability Cover
3+ More
Find Out More

Dialdirect

An established medium to low-cost insurer with great benefits.
Best For

Price-conscious business owners where low premiums are the number one priority.

Features

Business Assist included

  • Road Assist
  • Home Assist
  • Trauma Assist
  • Medical Assist
  • Legal Assist

Cash Back Bonus for low claim rate

Types of Cover
Business Interruption
Public Liability
Employee Liability
Property Insurance
Vehicle & Equipment Insurance
Specialized Liability Cover
3+ More
Find Out More

1st for Women

The insurance company with products designed for women.
Best For

Woman-owned businesses who need cover specifically tailored to their risk profile.

Features

Wide suite of products available:

  • 1st for Professional Women,
  • 1st for Business Women,
  • 1st for Executive Women, and more.

24/7 Business Concierge service

24/7 Guardian Angel service

Types of Cover
Women-Specific Business Insurance
Errors & Omissions Insurance
Employee Liability
Small Business Insurance
Directors & Owners Insurance
2+ More
Find Out More