Comercial insurnace

Commercial Insurance

As most brokers know this is one of the more complex fields of short-term insurance 
and unfortunately is also the section that is the mostmisunderstood.Fortunately at 
CCIRC we are not only experienced in the finer details of the commercial and 
corporate policies, we also have a wide range of supporting products where we 
can address all your needs.

Here is a brief description of some of the sections and what covers they provide.

•Fire & Specified Perils for your buildings, plant and machinery, fixtures & fittings, 
  stock and miscellaneous items.

•Buildings combined - ideal if you own your own office building or block of flats, 
  which can even cover against the loss of rent in the event of a   loss

•Office contents - insures the office furniture and equipment that you would find 
  normally in an office environment excluding computers.

•Business Interruption - in the event of a loss on your fire section, this 
  section insures your loss of gross profits/revenue.

•Accounts receivable - ideal cover if you use paper based accounting 
  and your records are destroyed.

•Theft – provides cover against physical and violent break-in or out of 
  your premises and stock and/or equipment is stolen

•Money -covers cash and cheques that are stolen from your premises 
  or whilst in direct transit to or from the bank.

•Glass - covers not only your shop front windows but also your internal 
  glass and sign writing.

•Fidelity Guarantee - covering you against your staff stealing from you

•Good in transit - covers your stock and equipment whilst in transit be it 
  road, rail or air

•Business All Risks - cover is ideal for high value items that will be leaving 
  your premises (Cell phones, tools …)

•Accidental Damage - covers your stock and contents of your business

•Public Liability where you are found to be negligent at your premises 
  and this causes harm or damage to others and their property.

•Employers Liability - covers you against legal action from staff that falls 
  outside of the C.I.O.D.A act.

•Stated benefits - covers you and your staff whilst at work or on a 24 
  hour basis based on the annual salaries.

•Group personal accident - covers you and your staff whilst at work or 
  on a 24 hour basis, based on  job title or named person.

•Motor Vehicles owned buy the business.

•Electronic Equipment ranging from computers to computer controlled
  industrial machinery.

•Motor Traders Internal very useful cover if you are a car dealer or 
  a car wash.This section covers other peoples vehicles whilst they 
  are on your property and in your care.

•Motor Traders External this is also a motor trade risk and it covers
  vehicles in your custody and control whilst are not at your premises,
   ie being taken for a test drive.

We deal with the majority of South Africa's leading insurers and underwriters to provide a tailored policy to meet the needs of your business, giving you the peace of mind that you have been offered the correct insurance for your risk. To facilitate cash flow we also offer monthly payments by debit order.

Main stream products that are available