Understanding How Business Insurance Works
Running a business comes with its fair share of risks, and having the right insurance in place is essential to protect your company from unforeseen events.
What Does General Business Insurance Cover?
General business insurance typically covers your business against perils such as theft, fire, rain, and floods. With our business insurance, you can choose from up to 20 cover sections to tailor your policy to your specific needs.
- Buildings Combined: Coverage for your physical business premises.
- Office Contents: Protection for office equipment and furniture.
- Business Interruption: Compensation for loss of income due to unforeseen disruptions.
Additionally, we offer specialised coverage for industries such as veterinary services, churches, and hospitality businesses.
What is Covered Under the Fire Section?
Our Fire section provides coverage for damage caused by:
- Fire, lightning, or thunderbolt.
- Earthquake or explosions.
- Storms, wind, water, or hail.
- Impact damage (from trees, vehicles, satellite dishes, etc.).
A full breakdown of the cover and conditions can be found in the policy wording.
What is SASRIA Cover?
SASRIA (South African Special Risks Insurance Association) is included in your policy at an additional premium, and provides coverage for damage to your property caused by:
- Riots, strikes, or public disorder.
- Civil commotion.
- Acts with political, social, or economic aims.
Do I Have to Specify Who Drives the Business Vehicle?
No, our business vehicle policies are issued with an Open Driver clause. This means that anyone with your permission and a valid South African driver’s licence may drive the vehicle, without needing to be specifically named on the policy.
Get the Most Out of Your Cover
If you have any further questions or need personalised advice, our dedicated consultants are here to help! Feel free to call us on 0861 368 7873 or send an email to u2us@dotsure.co.za.
