A founder's guide to small business insurance in South Africa

Most South African SMEs are dramatically under-insured. The four products that matter for a small services business are: public liability, professional indemnity, asset all-risks and business interruption.

Cyber cover is no longer optional for any business processing personal information under POPIA — and average policies start at just R310 per month.

Bundling these into a single commercial policy with Santam, Hollard or Bryte typically saves 12–18% versus standalone products.