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Franchises

Your choice, our pleasure

In a nutshell

By ‘franchise’ we mean: A distribution network operating under a shared trademark or name with franchisees, paying the franchisor for the right to do business under that name for a specified period of time. The franchise industry in South Africa generates almost 12% of our country’s GDP. 68% of the private-sector’s employment is provided by small businesses who have less than 50 employees. The 2015 opening of 2,286 new franchises brought the total number of franchise outlets to just under 30,000 outlets across our country, which operate under 551 different franchised systems. South Africa is proudly made up of 88% home-grown franchise concepts.


Key benefits

  • We provide comprehensive insurance cover for your unique franchise business needs.
  • Motor premiums that decrease monthly, as the value of your motor depreciates.


Target market

  • All registered franchises

Franchises cover

Buy the best cover in town, when you join our royal family


  • Accounts receivable..
  • Acquisition of new business..
  • Cross liabilities..
  • Crossed cheques..
  • Emergency medical expenses..
  • Employees' & visitors' property..
  • Fire extinguishing charges..
  • Gratuitous advice..
  • Labourers/contractors/employees omissions..
  • Load shedding power surges..
  • Locks & keys..
  • Loss of water..
  • Machinery breakdown..
  • Motor traders internal & external..
  • Power surges & lightning strikes..
  • Prevention of access..
  • Public authorities' requirements..
  • Public supply connections..
  • Removal of trees..
  • Rent & alternative premises..
  • Security costs..
  • Skeleton keys..
  • Tenant's liability..
  • Tools of trade..
  • Water heating systems & pressurised pipes..
  • Accidental damage..
  • Bursting or overflowing of geysers, water heating systems & pressurised water pipes (cover for wear & tear can be included)..
  • Business all risk..
  • Business interruption..
  • Contamination or pollution of wine stocks..
  • Debris removal..
  • Defective workmanship..
  • Electronic equipment..
  • General liabilities..
  • Glass..
  • Goods in transit..
  • Leakage of oils/chemicals/fumes..
  • Machinery breakdown: Business interruption..
  • Malicious damage..
  • Motor: Passenger liability/unauthorised passenger liability..
  • Motor: Specified or fleet basis (deposit premium options)..
  • Non-forcible & violent entry into vehicle..
  • Office contents..
  • Personal accident & stated benefits..
  • Riots & strikes..
  • Security services..
  • Specified or unspecified suppliers, customers & sub-contractors..
  • Subsidence & landslip..
  • Theft with & without forcible or violent entry/exit..