Commercial Insurance

Running a successful business takes years of hard work with many endless days, working weekends, and thankless tasks. It’s taken the right kind of experience and partnerships to get your business to where it is today. We understand exactly this at Auto & General, which is why we’ve used our years of experience and expertise to put together several Commercial Insurance policies, specific for your business.

We understand every aspect of risk your business may face, and our Commercial Insurance team is there is ensure that you are covered for it.

Types of Commercial Insurance

We’ve tapped into our experience from the past three decades and combined traditional Commercial Insurance policy terms with more flexible options under our Business Insurance category. Options that are tailored to suit almost any type of business. Not every business faces the same risks, which is why they each deserve to be insured differently.

We cover over 700 different types of businesses, including:

Office – travel agents, estate agents, general office businesses, training centres and similar office-based businesses.
Professional – accountants, lawyers, architects, engineers and IT consultants.
Tradesman – plumbers, electricians, painters, handymen and artisans.
Medical – doctors, dentists, optometrists, veterinarians and psychiatrists.
General – florists, hairdressers, beauty salons, book shops, retailers, franchises and coffee shops.
Hospitality – guest houses and bed and breakfasts.

Why do you need Commercial Insurance?

Auto & General’s Commercial Insurance protects your business from a variety of risks. Whether it’s damage to your business premises, injuries to your employees, business interruption causing a loss in income, or other risks that are out of your control. We’ve got you covered, making sure that should the unexpected happen, you aren’t forced out of business due to not being able to cope financially.

All of our products are tailored to suit the unique requirements of your business. Rest assured knowing that your business is in the hands of a trusted insurance partner, with decades of experience.

What does Commercial Insurance cover?

Each of our Commercial Insurance policies is specifically tailored to your individual business. For example, we offer Motor Only policies for companies that only require motor cover. We’ve also got Tradesman Cover, which includes a combined offering of Motor and All Risks, as well as our Courier Services policy which includes a combined offering of Motor and Goods in Transit.

Our current products within our Commercial Insurance range include:

Fire
Business Interruption
Buildings Combined
Office Contents
Accounts Receivable
Theft
Money
Fidelity Guarantee
Glass
Electronic Equipment
Business All Risk
Goods in Transit
Accidental Damage
Public Liability

Work Away Automatically Included (R100 000)
Products Liability
Defective Workmanship

Employer’s Liability
Group Personal Accident
Motor – Comprehensive/Third Party, Fire and Theft/Third Party Only
Motorcycle
Trailer
Golf Cart
Machinery Breakdown
Deterioration of Stock

Business Assist benefits

We’re here for you in the long run and want to use our years of trusted experience to help you out with more than just insurance. All of our Business Insurance policies come standard with our Business Assist benefits. From assistance with financial planning and emergency assistance to an IT help desk and support from our digital presence team. Our expertise extend beyond traditional insurance policies.

We’ve also got Group Insurance Benefits that can assist you, your employees and their beneficiaries through minimising the financial impact that can arise from unexpected life-changing accidents that could leave people without an income due to critical illness, disability or death. You may also be interested in Cash Back Plus, which is available on all of our insurance plans, at an additional premium.