Commercial Insurance
About Commercial Insurance
When one part of a business is disrupted, the effects can ripple quickly. Commercial insurance helps protect your operation against a range of risks that can affect revenue, from damage to premises and property to employee injuries, liability exposure and business interruption.
Protection for commercial risks
Our commercial insurance solutions are designed to work together, providing protection across liability, sectional title and property assets within a single, coordinated cover. For larger organisations facing more complex risk environments, our dedicated corporate offering delivers the depth and flexibility needed to manage exposure with confidence.
Running a business means navigating uncertainty while staying focused on growth. Hollard partners with brokers and businesses to provide robust, adaptable commercial cover that protects your whole operation.
Benefits of Commercial Insurance:
- Broad market offering: Our wide range of Commercial Insurance products cover businesses of all sizes and across most industry types.
- Affordable: Our Commercial Insurance cover is highly affordable, with competitive and negotiable rates.
- Highly personalised: All our products can be tailored to suit the unique requirements of your business. We’re able to do this because each of our team members is an expert in a particular industry.
- Excellent service: Our team is at your beck and call in delivering expert advice and excellent support when it comes to your Commercial Insurance needs.
- Partner-driven: Our approach is to establish mutually beneficial relationships with our brokers, allowing us to provide Commercial Insurance solutions that protect and benefit our clients’ businesses and the people who run them.
About Commercial Insurance
When one part of a business is disrupted, the effects can ripple quickly. Commercial insurance helps protect your operation against a range of risks that can affect revenue, from damage to premises and property to employee injuries, liability exposure and business interruption.
Protection for commercial risks
Our commercial insurance solutions are designed to work together, providing protection across liability, sectional title and property assets within a single, coordinated cover. For larger organisations facing more complex risk environments, our dedicated corporate offering delivers the depth and flexibility needed to manage exposure with confidence.
Running a business means navigating uncertainty while staying focused on growth. Hollard partners with brokers and businesses to provide robust, adaptable commercial cover that protects your whole operation.
Benefits of Commercial Insurance:
- Broad market offering: Our wide range of Commercial Insurance products cover businesses of all sizes and across most industry types.
- Affordable: Our Commercial Insurance cover is highly affordable, with competitive and negotiable rates.
- Highly personalised: All our products can be tailored to suit the unique requirements of your business. We’re able to do this because each of our team members is an expert in a particular industry.
- Excellent service: Our team is at your beck and call in delivering expert advice and excellent support when it comes to your Commercial Insurance needs.
- Partner-driven: Our approach is to establish mutually beneficial relationships with our brokers, allowing us to provide Commercial Insurance solutions that protect and benefit our clients’ businesses and the people who run them.
Business
Partnering with our brokers in offering you a business insurance solution that delivers the win-win-win.
With our unique broker partnerships that are strategically placed all over our country, they truly understand the local needs of your business. That’s why our local broker partnerships are lekker, but their local knowledge is lekkerder in giving you the best insurance solutions for your business, no matter the size. With a variety of risks faced by businesses today, such as natural disasters, business interruption, accidents or potential legal liabilities, our business policy has a comprehensive solution for you.
Available cover
Fire
Offers insurance for buildings, rent, plant & machinery, stock and a wide variety of extensions such as capital additions, landscaping, motors and pumping equipment and water leaks/loss of water.
Buildings Combined
Provides insurance for damage to buildings, public supply connections, rent, liability, capital additions, cleaning and maintenance equipment, cost of removal of fallen or leaning trees, generator hire, landscaping, storage of contents and many more.
Office Contents
Protection for office premises against damage to contents, rent, documents, liability documents and increase in cost of working.
Business Interruption
Losses could render your business unable to operate because of property damage. We offer protection against loss of gross profits, gross rentals, revenue, additional increase in cost of working, wages and fines & penalties for breach of contract.
Accounts Receivable
Provides protection for loss or damage to books of account or other business books or records.
Theft
Protection against loss or damage to all contents following visible signs of physical damage as a result of the forcible and violent entry into or exit from the insured building. Insurance under this section can also include cover for damage to the building, including landlord’s fixtures and fittings.
Money
Offers protection to the money held on your premises, including whilst in transit to and from the bank. In addition, up to certain limits, we cover loss or damage to receptacles such as cash registers, safes and even strong rooms, as well as personal accident assault up to certain limits.
Glass
Includes cover for loss of or damage to internal and external glass (including mirrors) and sign-written glass. Cover may include costs relating to the boarding-up of windows, burglar alarm strips, wires, vibrators, watchmen, removal and reinstallation of fixtures and fittings.
Fidelity Guarantee
Provides protection against theft, loss of money, property and/or direct financial loss sustained by the insured due to f the fraud or dishonesty by an insured employee, including costs of recovery from the employee. It also covers computer losses.
Goods in Transit
Insures loss or damage to goods in the course of transit. Full or restricted cover is available for fire, explosion, collision, derailment, vehicle overturning and other options.
Business All Risks
Covers loss or damage to the whole or part of the insured property whilst anywhere in the world. Insured property being tools, two-way radios, camera equipment and similar items.
Accidental Damage
Provides cover for accidental physical loss of or damage to the insured property at the premises, as long as this property is not or cannot be insured under another section of the policy.
Combined Liability
Cover for instances where the insured is legally liable to pay in respect of bodily injury or loss of or damage to property, including claimants’ costs and expenses in connection with your business.
Umbrella Liability
Tops up the underlying liability limits selected in respect of the various liability covers offered.
Employers Liability
Covers damages which the insured is legally liable to pay upon death or bodily injury to or illness of any person employed under a contract of service or apprenticeship with the insured.
Directors and Officers Liability
Protection for the company and its assets for the losses caused or defence costs should such a loss result in legal action against the company as a result of directors and managers making mistakes that result in losses to the company or a third party.
Cyber
Provides cover for cyber-related events such as cyber liability, crisis management expenses and notification expenses, first-party expenses, cyber extortion and digital media liability.
Group Personal Accident/Stated Benefits
Provides compensation to an insured person who sustains bodily injury which, directly and independently of any other cause, results in death, disability or the incurring of medical expenses. Compensation is based either on fixed amounts or amounts based on the insured person’s annual compensation.
Motor
Provides protection against loss of or damage to vehicles including motor cars, light delivery vehicles, trailers, busses, caravans, motorcycles and forklifts. In addition, comprehensive cover is available to protect against medical expenses following a motor vehicle accident, wreckage removal, loss of fuel, passenger liability, contingent liability and third-party.
Motor Traders
Provides cover for loss or damage to vehicles as defined, on and off the premises, subject to certain restrictions and exceptions, as well as liability to third parties caused by the vehicle.
Electronic Equipment
Cover is available for electronic equipment, such as desktop computers, printers, modems, scanners as well as portable equipment, such as laptops and notebooks.
Machinery Breakdown
Provides cover for any unforeseen and sudden physical damage to machinery situated at the insured premises.
Business Interruption (Machinery Breakdown)
Covers loss of gross profits and revenue provided that the insured first sustains a loss that is covered under the Machinery Breakdown section.
Deterioration of Stock (Machinery Breakdown)
Cover that protects against financial losses due to the deterioration or spoilage of goods or inventory following a loss covered under the Machinery Breakdown section.
Solar Power
Provides cover for the solar power system only. This includes the inverter, solar batteries, solar panels and solar peripherals.
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Why choose Hollard?
More than 6 million people trust us to protect what matters
We're S.A's largest private insurance group
We empower entrepreneurs through our many CSI initiatives
Find us in 18 countries across 4 continents
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