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Retailers

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In a nutshell

By ‘retailer’ we mean: A business or person that sells goods directly to the consumer, as opposed to a wholesaler or supplier, who generally sell their goods to other businesses (B2B). Retail plays a very important role in the South African economy and shopping centres are at the heart of our country’s significant economic growth.


Key benefits

  • We assist our brokers to underwrite retailers with unique cover options & extensions.
  • Motor premiums that decrease monthly, as the value of your motor depreciates.


Target market

We service all retailers, with special focus on retailers of:

  • Food & beverage stores.
  • Hardware, paint & glass.
  • Home furniture, appliances, spares & equipment.
  • General goods, cosmetics & toiletries.
  • Textiles, clothing and footwear.

Retailers cover

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  • Accounts receivable.
  • Capital additions.
  • Cross liabilities.
  • Deterioration of foodstuffs.
  • Emergency medical expenses.
  • Employees' & visitors' property.
  • Fire extinguishing charges.
  • General liabilities.
  • Gratuitous advice.
  • Labourers, contractors & employees omissions.
  • Load shedding power surges.
  • Locks & keys.
  • Loss of water.
  • Machinery breakdown.
  • Malicious damage.
  • Power surges & lightning strikes.
  • Prevention of access.
  • Property temporarily removed.
  • Public supply connections.
  • Rent & alternative premises.
  • Security costs.
  • Skeleton keys.
  • Spread of fire.
  • Tenant's liability.
  • 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 risks.
  • Contamination or pollution of wine stocks.
  • Debris removal.
  • Defective workmanship.
  • Electronic equipment.
  • Fidelity cover.
  • Glass.
  • Goods in the open.
  • Goods in transit.
  • Leakage by sprinklers, drenching systems of fire extinguishing equipment.
  • Leakage of oils/chemicals/fumes.
  • Motor: Passenger liability/unauthorised passenger liability.
  • Motor: Specified or fleet basis (deposit premium options).
  • Non-forcible & violent entry into a vehicle.
  • Personal accident & stated benefits.
  • Products liability.
  • Riots & strikes.
  • Security services.
  • Specified or unspecified suppliers, customers & sub-contractors.
  • Subsidence & landslip.
  • Theft with & without forcible or violent entry/exit.