Protect Yourself and Your Business With Comprehensive Commercial Insurance
Building a business is hard work. You’ve invested enormous amounts of energy and time, not to mention money, into getting it off the ground and making it a success. You now need to do everything you can to make sure all your hard work isn’t wiped out in a heartbeat through accident, theft, or legal action for example.
This is why you need Commercial Insurance.
Commercial insurance protects you, your employees, and the business you’ve worked so hard to create. It’s an essential safety net against the potentially devastating financial fallout from fire, theft or a lawsuit to name but a few. It could very well be the difference between getting back on your feet or closing your doors.
Types Of Commercial Insurance
At CC&A Insurance Brokers, we offer comprehensive commercial insurance to meet all your business insurance needs. Our expert staff can advise you on the following:
Professional Indemnity Insurace: Professional Indemnity insurance is designed for professionals who provide advice or a service to their customers. It protects you against legal costs and claims for damages to third parties which may arise out of an act, omission or breach of professional duty in the course of your business.
If a mistake or omission occurs in the course of your work that results in financial loss or injury to a third party (e.g. a customer)—that customer may take legal action against you to recover their losses. Professional Indemnity insurance seeks to protect both your assets and your reputation, should this occur.
Excess Liability: Excess liability insurance provides insurance limits above and beyond a business’s primary liability policies. When a claim is reported to the insurance company, the first policy to respond is the underlying primary, whether it’s motor liability, general liability or even employer’s liability. If the claim exhausts the limits in the primary policy, the excess liability policy picks up where the primary left off
Cyber Liability: Cyber liability insurance covers your company’s liability for data breaches in which sensitive customer information, such as credit card numbers and other private information, is accessed by unauthorised individuals. The policy covers your direct losses (For example, the cost of repairing, replacing or restoring systems, data or websites following an attack)or the compensation you have to pay to a third party (If, for example, you are sued for the unauthorised collection of customers data).
Body Corporate/Sectional Title Insurance In South Africa, body corporate insurance is a legal requirement in terms of the Sectional Titles Act. This means the trustees shall, on behalf of the Body Corporate, control, manage and administer through its appointed agents and employees all finances pertaining to the Sectional Title Scheme
Besides the above CC&A Insurance Brokers can advise on a variety of other insurances such as:
- Business Interruption
- Fire
- Office Equipment
- Electronic Equipment
- Motor
- Motor Traders
- Agriculture
- FIRE
- BUILDINGS COMBINED
- OFFICE CONTENTS
- BUSINESS INTERRUPTION
- ACCOUNTS RECEIVABLE
- THEFT
- MONEY
- GLASS
- FIDELITY
- GOODS IN TRANSIT
- BUSINESS ALL RISKS
- ACCIDENTAL DAMAGE
- PUBLIC LIABILITY
- PROFESSIONAL INDEMNITY
- CLAIMS MADE BASIS
- OCCURRENCE BASIS
- EMPLOYERS LIABILITY
- STATED BENEFITS
- PERSONAL ACCIDENT
- MOTOR
- Private Type LDV
- Heavy Commercial
- Motor Cycles
- Car Hire
- Excess waivers/buy downs
- ELECTRONIC EQUIPMENT