Protect your business
with an all-in-one comprehensive business insurance solution.

Protection for your business

Business insurance, (aka commercial insurance), is cover that protects your business against theft, financial loss sustained as a result of fraud, fire, flooding, theft, vehicle accidents, liability, and more.

We offer business insurance solutions designed for a range of businesses, from tradespeople to medical professionals, and retailers to manufacturers.

Multisure is flexible enough to meet all your business insurance requirements under a single comprehensive policy, giving you peace of mind at a competitive price.

Chat to us today to get comprehensive insurance that is tailored to meet your business needs, allowing you to choose what’s best for your specific type of business.

Protect what built you.
What does business insurance cover?

multisure is flexible enough to meet all your business insurance requirements under a single comprehensive policy, and provides cover for the following:

  • Accidental damage
  • Broadform liability
  • Buildings combined
  • Business all risks
  • Electronic equipment and office contents
  • Employers' liability
  • Employees Personal Accident
  • Fidelity
  • Fire and business interruption
  • Goods in Transit
  • Motor vehicles and Third-Party Liability
  • Theft

and more!  You choose the cover you need!

A female florist works at her own store, which is insured by a policy that covers her business insurance requirements.Why choose our business insurance?
  • It’s an all-in-one policy tailored for you. One product and one premium for all your non-life business insurance needs.
  • Get access to Swiftcare Commercial Assist – A value-added optional benefit that provides access to emergency roadside, office, and medical assistance.
  • Have peace of mind from the oldest and one of the leading non-life insurance companies in South Africa.
  • Old Mutual Insure is a Trusted Brand
    • Number 1 in the intermediated segment for Value for Money, Most Recommended, and Peace of Mind, as per the 2020 South African Customer Service Index (SAcsi) results.
    • Winner of the 2019 Sunday Times Top Brands Awards for the non-life insurance consumer category.
A South African doctor treats a patient at his private practice, which is covered by business insurance.

We've designed our business insurance policy to be able to meet your unique business insurance needs, for businesses of all sizes in South Africa. We also understand that specialist businesses have requirements that differ from one to the other - we don't expect businesses to look the same, so why should your insurance policies?

Explore our range of specialist business insurance policiesYou can get cover to suit your unique business needs.How do we help you to reduce the impact of certain risks?

Let’s look at some common examples of events that can lead to an insurance claim.

 

Motor accident or theft of vehicle

Your car is stolen or it is damaged in an accident

To be insured, your car must be roadworthy. For example, all lights, including brake lights and taillights must be working.

You must report the incident to us as soon as you can as well as to the police.

We don’t accept claims where you were:

driving under the influence of alcohol or drugs, or using the car for a different purpose than the one you’re insured for.

A motor vehicle used for business is involved in an accident and loaded onto a flatbed tow truck.Employee injury event

Your employee falls down a stairway while on duty and breaks his/her leg.

In this case, you must report the incident to us as soon as you can. The employee must have been injured while doing work for you.

Before you can claim from this policy, your employee must claim against the Compensation Fund (under the Compensation for Occupational Injuries and Diseases Act).

A doctor talks about the need for work safety to prevent employee injuries.Flooding, fire, or water damageYour work premises and office contents and/or plant, machinery, equipment, and stock may be damaged or destroyed by a fire or water damage.A building belonging to a business has a fire break out. Money

Money is stolen from a locked safe at your offices

There is cover for loss of money for when it is loss or stolen. The limit for the payout depends on the South African National Standard (SANS) grading of your safe

A keypad on a safe containing money belonging to a business.Theft and vandalism

The multisure  business insurance policy provides cover for theft and malicious damage to your property.

The cover requires that for you to claim, the building must be occupied. If the building has not been occupied for 45 consecutive days or more, then theft cover is suspended. You’re responsible for paying a portion of the cost of the damage if the building has been unoccupied for a period of less than 45 days. There may be limits to the payout.

An office is looted after a break in by thieves looking for electronic goods.

For more information about examples that could lead to claims, other conditions, exceptions, and limits, read our multisure start-up guide in English or Afrikaans

Want to know more about multisure? To get a business insurance quote, contact your Broker or call 0860 22 55 63.

    At Old Mutual Insure, we believe that you should always have a positive claims experience. We aim for a speedy turnaround time and want the process to be as easy and stress-free for you as possible.

    If you need to register a claim, you can do so by any of the following means:

    • Call us directly on 0860 24 7 365 and a consultant will guide you through the process
    • You can also submit a claim by contacting your broker directly
    • Visit our main claims page

    Losses suffered as a result of civil commotion, strikes, riots, and public disorder such as the looting witnessed in KwaZulu-Natal and parts of Gauteng in July 2021, are covered by a state-owned special risks insurer called Sasria. This cover, however, cannot be bought directly from Sasria. It must be taken through intermediaries who are insurance companies. Having a policy such as multisure business insurance can help as the Sasria cover can then be given as an add-on or value add to an underlying policy.

    If you have a multisure policy, you can ask that cover for riots and looting be added.

    Each business is unique, and the covers required will depend on the type of business and the processes involved.

    Generally, business insurance cover is required to protect your business assets against the risk of:

    • fire,
    • floods,
    • storms,
    • water damage,
    • theft,
    • financial loss as a result of damage to the business assets that causes interruption or temporary cessation to the business,
    • and vehicle accidents/theft of vehicles.

    We also provide cover for when you, as a business owner, are sued for injuries caused to other people or damages their property etc.

    Speak to your broker or contact us on 0860 22 55 63 for advice on the cover most suited for your business.

    Without business insurance, any mishap such as a fire at your work premises, floods, theft, or a motor accident where your business vehicle is written-off, could be devastating to your business, and you could struggle to come back financially. It could take a long time for your business to recover, and meanwhile, debtors could come knocking on your door.

    Trust your multisure insurance policy to be that certain friend that helps cushion you in uncertain times.

    All businesses need insurance. The need for insurance cover is even more if you’re a one-man business where all business needs and losses rest on your shoulders, and you have to single-handedly try to worm your way out of any trouble that befalls your business.

    Trust multisure business insurance to be that faithful all-seasons friend that stands by your side in stormy weather and dark days.

    Getting a business insurance policy with us is quick and easy. Our trained and knowledgeable brokers and advisers with help you all the way.

    The multisure business insurance policy allows you to cover more than one business under one policy and to have only one premium deducted from your bank account.

    You can get more information about multisure business insurance with our plain language guides:

    You can also learn more about insurance for agricultural businesses with these plain language guides:

Call Us: Brokers & Advisers 0860 63 73 73 / Direct Customers 0860 22 55 63