Mutual & Federal offers a comprehensive range of "affinity products" for well-defined segments within the small business arena, including the professional practice.
The range of affinity products comprises:
Dentisure is a comprehensive short-term insurance policy for the modern Dentist. Dentisure provides specialist cover, including cover for precious and of semi-precious metals, the dentist's chair unit, X-ray machine and many others.
Basic Cover
The basic package is based on annual fees, which determine the sums insured, limits and premiums. This package may further be tailored to meet the dentist’s specific needs by adjustments to sums insured and limits.
The basic package is made up of various cover components:
- Office Contents: Loss or damage to contents of the office, including theft cover for precious and semi precious metals, stock in trade and documents including x-rays.
- Business Interruption: cover for a reduction in turnover following material damage.
- Accounts Receivable: loss sustained as a result of an accident or misfortune to the insured's business books or records.
- Public Liability: legal liability arising out of the accidental death or bodily injury to others, or damage to the property of others.
- Money: loss of money in transit to and from the bank, at the insured premises including damage to safes and tills, also included is the personal accident assault extension.
- Glass: loss or damage to fixed internal and external glass.
- Fidelity Guarantee: direct financial loss suffered as a result of fraud or dishonesty of employees.
- Employers Liability: legal liability arising out of occupational death or injury of employees.
- Goods in Transit: loss or damage to goods being transported by road, rail or air.
- Accidental Damage: accidental loss or damage to the dental chair and x-ray machine.
Optional Cover
In addition, there is the option to incorporate additional sections (including extended cover to the Office Contents section of the package) at competitive premiums.
Personal Cover
Dentisure has the facility to allow for the inclusion of personal insurance.
Floristsure is a comprehensive short-term insurance policy for the modern Florist.
Basic Cover
The basic package is based on set sums insured and premiums, which may further be tailored to meet the florist’s specific needs by adjustments to sums insured and limits.
The basic package is made up of various cover components:
- Fire: damage to property as a result of fire, storm, explosion and other insured events.
- Business Interruption: cover for a reduction in turnover following material damage.
- Theft: loss or damage as a result of theft or any attempt at theft.
- Accounts Receivable: loss sustained as a result of an accident or misfortune to the insured's business books or records.
- Public Liability: legal liability arising out of the accidental death or bodily injury to others, or damage to the property of others.
- Money: loss of money in transit to and from the bank, at the insured premises including damage to safes and tills, also included is the personal accident assault extension.
- Glass: loss or damage to fixed internal and external glass.
- Fidelity Guarantee: direct financial loss suffered as a result of fraud or dishonesty of employees.
- Employers Liability: legal liability arising out of occupational death or injury of employees.
- Goods in Transit: loss or damage to goods being transported by road, rail or air.
Optional cover
In addition, there is the option to incorporate additional sections at competitive premiums.
Personal Cover
Floristsure has the facility to allow for the inclusion of personal insurance.
Medisure is a comprehensive short-term insurance policy designed exclusively for the modern Doctor.
Medisure provides cover in respect of drugs, pharmaceutical stock, the doctor’s bag and its contents and many others.
Basic Cover
The basic package is based on set sums insured and premiums, which may further be tailored to meet the doctor's specific needs by adjustments to sums insured and limits.
The basic package is made up of various cover components:
- Office Contents: loss or damage to contents of the office, including theft cover for precious and semi precious metals, stock in trade and documents including x-rays.
- Business Interruption: cover for a reduction in turnover following material damage.
- Accounts Receivable: loss sustained as a result of an accident or misfortune to the insured's business books or records.
- Public Liability: legal liability arising out of the accidental death or bodily injury to others, or damage to the property of others.
- Money: loss of money in transit to and from the bank, at the insured premises including damage to safes and tills, also included is the personal accident assault extension.
- Glass: loss or damage to fixed internal and external glass.
- Fidelity Guarantee: direct financial loss suffered as a result of fraud or dishonesty of employees.
- Employers Liability: legal liability arising out of occupational death or injury of employees.
- Goods in Transit: loss or damage to goods being transported by road, rail or air.
- Business All Risks: accidental loss or damage to the medical bag and contents, office machinery, office equipment and the examination bed.
Optional cover
In addition, there is the option to incorporate additional sections at competitive premiums.
Personal Cover
Medisure has the facility to allow for the inclusion of personal insurance.
The Pharmacy Scheme is a comprehensive short-term insurance policy designed exclusively for the Retail Pharmacy.
This product is supported by the Pharmaceutical Society of South Africa and provides specialist liability cover to meet the changing needs of a professional pharmacist.
Basic Cover
The basic package is based on set sums insured and premiums, which may further be tailored to meet the pharmacist's specific needs by adjustments to sums insured and limits.
The basic package is made up of various cover components:
- Fire: damage to property as a result of fire, storm, explosion and other insured events.
- Business Interruption: cover for a reduction in turnover following material damage.
- Money: loss of money in transit to and from the bank, at the insured premises including damage to safes and tills included in the personal accident assault extension.
- Accounts Receivable: loss sustained as a result of an accident or misfortune to the insured's business books or records.
- Public Liability: legal liability arising out of the accidental death or bodily injury to others, or damage to the property of others.
- Glass: loss or damage to fixed internal and external glass.
- Fidelity Guarantee: direct financial loss suffered as a result of fraud or dishonesty of employees.
- Employers Liability: legal liability arising out of occupational death or injury of employees.
- Goods in Transit: loss or damage to goods being transported by road, rail or air.
Optional cover
In addition, there is the option to incorporate additional sections at competitive premiums.
Personal Cover
The Pharmacy Scheme has the facility to allow for the inclusion of personal insurance.
The Veterinary Scheme is a comprehensive short-term insurance policy designed exclusively for the modern Vet.
The policy focuses on the needs of both the “Pet Vet” whose main source of income is derived from pets being brought to his premises and the “Farm Vet” whose main source of business is derived from farm animals treated on the farm.
The Veterinary Scheme provides specialist liability insurance providing cover for dispensing, professional advice and treatment up to R1m.
Basic Cover
The basic package is based on Annual Fees, which determine the sums insured, limits and premiums. This package can be tailored to meet the veterinary's specific needs by adjustments to sums insured and limits.
The basic package is made up of various cover components:
- Fire: damage to property as a result of fire, storm, explosion and other insured events.
- Business Interruption: cover for a reduction in turnover following material damage. Business All Risks: accidental loss or damage to specified property.
- Money: loss of money in transit to and from the bank, at the insured premises including damage to safes and tills included in the personal accident assault extension.
- Accounts Receivable: loss sustained as a result of an accident or misfortune to the insured's business books or records.
- Public Liability: legal liability arising out of the accidental death or bodily injury to others, or damage to the property of others.
- Glass: loss or damage to fixed internal and external glass.
- Employers Liability: legal liability arising out of occupational death or injury of employees.
- Goods in Transit: loss or damage to goods being transported by road, rail or air.
- Fidelity Guarantee: direct financial loss suffered as a result of fraud or dishonesty of employees.
Optional cover
In addition, there is the option to incorporate additional sections at competitive premiums.
Personal Cover
The Veterinary Scheme has the facility to allow for the inclusion of personal insurance.
How to apply
There are three ways to apply for this product:
- Speak to your financial adviser.
- If you do not have a financial adviser please provide us with your and upon receipt of your enquiry a Financial Adviser will contact you or call Old Mutual Personal Financial Advice: 0860 15 1505
- Visit your local Mutual & Federal office.