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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

Target market

We service all retailers, with special focus on retailers of

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 risk.
  • 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.
  • Riot & strike.
  • Security services.
  • Specified or unspecified suppliers, customers & sub-contractors.
  • Subsidence & landslip.
  • Theft with & without forcible or violent entry/exit.