How Business Insurance Works

Business insurance protects your company from financial losses due to unforeseen events. At dotsure.co.za, we offer customised packages that combine property, motor, assets and liability insurance into one straightforward plan. This means you can get down to business, knowing that we've got you covered.

What Does Business Insurance Cover?

Our business insurance policies can be personalised to your specific needs, but typical business insurance coverage areas include:

  1. Property Damage: Protection for your buildings, office contents, and stock against perils such as fire, theft, and natural disasters.
  2. Business Interruption: Compensation for lost income if your operations are disrupted due to insured events.
  3. Liability Protection: Coverage against claims arising from injuries or damages related to your business activities.
  4. Commercial Vehicles: Insurance for company-owned vehicles used in daily operations.
  5. Goods in Transit: Safeguarding products being transported against loss or damage.
  6. Employer’s Liability: Cover for employee claims for work-related injuries or illnesses.

RELATED: TAILORED COVER TO MATCH YOUR SMALL BUSINESS NEEDS

What Does dotsure.co.za Business Insurance Cover?

Let's dive in to what dotsure.co.za can provide for you and your small business:

1. Hospitality Cover

This cover is ideal for hotels, guesthouses, and restaurants.

  • Business Interruption: Income replacement during disasters.
  • Property & Contents: Protection against fire, water damage and more.
  • Liability: Cover for guest-related claims, from injury to property damage.
  • Event & Booking Cancellations: Financial protection for cancellations.
  • Loss of Liquor Licence: If your licence is revoked, you get compensation for lost income.
  • Billing Cover: Protection if guests leave without paying.

2. VetSure Cover

Tailored for veterinary practices and animal care professionals.

  • Business Interruption: Income protection during closures.
  • Property & Contents: Cover for equipment, stock and medication.
  • Damage by Animals: Cover for property damage caused by animals.
  • Animal Bailee: Liability coverage for animal injury or loss.
  • Motor: Cover for business vehicles.

3. Contractors’ All Risk Insurance

Designed for construction and installation projects.

  • Construction Cover: Protection for projects from start to finish.
  • Public Liability: Cover for injury, death or property damage.
  • Debris Removal: Up to 10% of the contract value.
  • Off-Site Storage: Cover up to 15% of the contract value.
  • SASRIA: Riot, strike and public disorder cover.
  • Theft: On-site theft protection.

4. Plant All Risk Insurance

In construction and using heavy equipment? This cover was made for you.

  • Construction Equipment: Protection for damage, loss and temporary replacement or hire costs.
  • SASRIA: Riot, strike and public disorder protection.
  • Liability Cover: Third-party liability cover up to R2,5 million for accidental bodily injury, death or property damage.
  • Wreckage Removal: Optional extra, up to R20 000 cover per event.
  • Fire Extinguishing Costs: Optional extra, up to         R25 000 cover per event.
  • Stripping Costs: Optional extra, up to R25 000 cover per event.

5. Church Cover

Finally, this cover specifically supports places of worship and faith-based organisations

  • Buildings: Protection from unforeseen damages.
  • Public Liability: Cover for injury, death or property damage.
  • Loss of Income: Safeguards against revenue loss from disruptions.
  • Electronic Equipment: Cover for audiovisual and electronic equipment.
  • Motor Insurance: Protection for vehicles used by the church.
  • Theft & Money Cover: Protection against burglary and robbery.

Now that you have a better understanding of how business insurance works, let’s get down to business! Get your business covered within 24 hours when you click here!