Custom coverage for South African SMMEs

Shield your small business from financial strain with our tailored and bespoke insurance, covering office contents, building, and overhead costs for all small businesses in South Africa.

An image of a business owner in front of his shop.

Business insurance that works as hard as you do

You’ve worked hard to build your business, so damage or loss to your property or assets can be devastating. If disaster strikes, we can get you back to business, fast.

What does business insurance cover?

Insurance that can help you stand the heat

We provide cover for fire claims, which often result in total loss and, if not insured against, could put you out of business.

Cover for theft at a steal

Can you afford to have most of your stock stolen overnight? We help you guard against the unfortunate and common risk of theft, at a price you can afford.

Contents cover that will leave you content

Protect moveable contents and documents from fire or water damage, and safeguard landlord's fixtures. Our office contents cover keeps your business furnished.

Vehicle cover on your road to success

Business vehicles can be stolen, accidentally damaged, and even cause third-party damage. We cover your vehicles so that you can keep moving toward success.

Protection against the elements

We offer cover against storm, wind, and water damages that can cause significant losses.

BUSINESS INSURANCE

Tailored insurance for your profession

Hospitality

Church

Vet Practice

Construction

Business insurance benefits

Professional guidance with a personal touch

Receive telephonic or face-to-face expert assistance every step of the way, from your dedicated business specialist.

Free personalised needs analysis

Get a comprehensive needs analysis for your business and its unique needs.

Superfast claims registration

Simply send an email to log your claim so that you can get back to business.

Passionate about providing our world with Soft Landings

When you take out a dotsure.co.za policy, you are making a difference in the world. When you buy insurance policy, you support micro-businesses in South Africa. You help local micro-businesses grow.

No Claims Fund

10% of every paid premium will go into your No Claims Fund if you stay claim-free for 12 continuous months. Use this to pay for minor claims that fall within excess or reduce excess when you claim.

Simple, online insurance

Getting covered is as easy as counting to 3.

Get an online quote in minutes.
Customise your cover.
Activate your cover.

Tailor-make your cover

Fully protect your business with up to 20 different coverage options. Get cover for sections that are relevant to your business.

Fire
Office Contents
Commercial Vehicle
Broadform Liability
SASRIA

Buildings
Business Interruption
Electronic Equipment
Theft
Business All Risk

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Added protection for your business

Loadshedding equipment

We can include your unique power-saving equipment like solar panels, inverters, and generators.

Personal accident cover

You are your most important asset. Get personal accident cover on our Business Insurance policy.*

Commercial Crime

Crime doesn’t pay. Get cover for internal and external fraudulent activities.

Need to claim?

A simple online claims process for a seamless experience.

TESTIMONIALS

Hear from our fans

Jason Loader

Sometimes we are so programmed to focus on the cheapest premiums but when you receive the best service from Xander at Dotsure, I ask myself what's the cost of excellent service. Priceless! Keep it up!

Robert Bradley

Great Service from Xander. Very Knowledgeable, quick to make changes no matter how big or small. Kept me up to date. Always a pleasure working with Xander. He is a great asset to the company

Gordon Road Veterinary Clinic

On behalf of the Gordon Rd Vet Clinic Team we would like to thank you for the excellent service we received! We were very much impressed with your dedication in helping us sort out our insurance. But most of all, the time and effort you put into answering our many questions, was truly a reflection of your experience and knowledge you have regarding the veterinary industry! Looking forward in doing business with Dotsure!

Barry Robbison

Big thanks to Johan Malherbe and Dotsure for the excellent service over the years, The years of experience really shows! I can't recommend them enough! Johan is very professional, gets straight to the point and gets things done quickly and efficiently! Highly recommended.

Nico Strydom

Met groot dank en waardering aan Charmaine, Dotsure en Span wat altyd daar is (Charmaine op haar selfoon enige tyd-ook na ure) vir my en my Besigheid se versekering. Ek het op die moeilkste tyd van die jar 19 December 2023 my Besigheid voetuig se ruit gebreek, Fotos vir charmaine gestuur en binne minute was ek vervys waar om te gaan vir n ander venter, oomblike later is my eis goedgekeur en binne 3 dae (veskaffer moes bestel) my nuwe venster in en voertug reg vir besigheid doen. Baie dankie.

Lyle Jamane

When you think about insurance, you think about a company taking your money and when it comes down to claim there are always problems. Well, I thought wrong. I joined Dotsure last year November. My cell phone was stolen a few weeks ago. I contacted our sales consultant, completed the required information and within two days my claim was sorted and I have a new cell phone. I just added my new vehicle to the insurance because they gave me the best price. The service is amazing. So thank you to Charmaine Rostoll and Dotsure, for making insurance easy.

Neil Treurnicht

I would like to commend Ashley for the exceptional service that he's doing for his clients on behalf of Dotsure Insurance. Ashley was very prompt and transparent in answering my questions and concerns and he possesses excellent knowledge to get matters resolved quickly. You have a winner's attitude in Ashley and I appreciate that he takes his clients' needs seriously and I'm pretty sure he’s a valuable member of your team. He's a pleasure to work with.

Frequently Asked Questions

Is there a joining fee that I have to pay upfront?

No, there is no upfront joining fee. Your cover starts when you pay your first premium.

Will I have to deal with a call centre?

Our personalised approach to business insurance means you will not have to deal with a call-centre. You have a dedicated consultant who will manage your policy. This dedicated consultant will be available via call, email, and sometimes, in person.

What is an excess payment?

An excess payment is the first amount payable that you are responsible for in the event of a valid claim. Generally, a higher excess gives you a lower premium, but it also means you will have to pay more in the event of a claim.

LEARN MORE