SME liability & asset cover
Compare business insurance in South Africa
Commercial cover for traders, contractors, professionals and SMEs.
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Quick summary
Business insurance in South Africa bundles asset cover, liability, business interruption and (for some sectors) professional indemnity into a single commercial package. Cover is highly customisable — what you need depends on whether you trade, manufacture, advise or contract.
Best for
- ·SMEs wanting bundled property, liability and business interruption cover
- ·Professional service firms needing professional indemnity
- ·Contractors needing public liability and SASRIA cover
Watch out for
- ·Business interruption sub-limits — many policies cap at 3 months
- ·SASRIA is a separate stand-alone policy for riot/civil-commotion cover
- ·Cyber liability is usually excluded from standard packages
Typical cost in SA
A typical SME with R5m in assets pays R1,200–R3,500 per month for a packaged commercial policy; professional indemnity adds R400–R1,500 depending on profession.
Frequent questions
- What insurance does a small business in SA legally need?
- There is no single mandatory business insurance, but Workmen's Compensation (COIDA) is compulsory for any business with employees, and most landlords and clients contractually require public liability cover.
- What is SASRIA cover?
- SASRIA is a state-owned insurer that covers riot, strike, civil commotion and politically-motivated damage in South Africa. It's bought as a separate top-up to a standard commercial policy.
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