Insurance
Compare Business Insurance Providers in South Africa
A business policy is a set of sections. Cover for the premises, stock, liability or interruption is only there when that section is on the schedule.
Premiums, excesses, contributions and cover depend on your circumstances and the policy or scheme rules. Confirm the final terms before you buy. Information checked 29 October 2026.
Compare providers
The provider name links to the WiT Money profile where one exists. The gold button opens the recorded website. It is not a quote and not an application.
4 of 4 products, in provider name order. A missing premium, contribution or excess is not shown as zero, and nothing is ranked as cheapest. A filter matches the published line. It does not decide that you qualify.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Buildings, stock, business interruption, employer/general/public liability
Advantages
- Tailored commercial protection including complex risks
Considerations
- Broker/quote process and product complexities
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Commercial policy wording describes business sections including motor classes
Advantages
- Public policy document provides wording for due diligence
Considerations
- Must verify actual product suitability and legal issuer
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Business assets, goods in transit and vehicle-related sections
Advantages
- Tailored cover structure
- Business services
Considerations
- Final cover depends on individually selected sections
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Standard Bank InsuranceCorporate risk management and insurance
Bank distributor/intermediary. Confirm which company issues the policy.
- Premium
- Personalised quotation. A premium is not printed on this card.
- Excess
- Confirm the excess on the quote and the policy schedule.
Underwriter or legal entity. Confirm the legal insurer on the policy schedule.
What the product line describes. Property/vehicles, business interruption, public liability, D&O, marine
Advantages
- Broad commercial risk suite
Considerations
- Distribution via bank/broker
- Insurer identity needs per-policy validation
Notes checked 29 October 2026. A benefit is confirmed only when the policy schedule includes it. A missing limit is not R0.
Compare selected products
Choose up to three from this page. A missing benefit is not treated as excluded. Confirm it in the wording.
No products selected.
Not shown as a current product
- Santam. Commercial / business insurance. Confirm with the provider before treating it as available.
- OUTsurance. Business insurance. Confirm with the provider before treating it as available.
- Discovery Business Insurance. Discovery Business Insurance. Confirm with the provider before treating it as available.
- Hollard. Commercial insurance. Confirm with the provider before treating it as available.
- Old Mutual Insure. Business and commercial insurance. Confirm with the provider before treating it as available.
- SHA / Santam Specialist. Specialist liability and commercial risks. Confirm with the provider before treating it as available.
- Sasria. Special risks cover (supplemental). Confirm with the provider before treating it as available.
Estimate with your own figures
Type the amounts you want to test. The result uses those amounts only. It does not fetch a quote, and it does not decide a claim.
How to read this comparison
Assets, public liability, professional indemnity, employers' liability, business interruption, stock, theft, fire, cyber and goods in transit are separate sections. A generic business policy does not include all of them.
The business activity on the proposal matters. A change of work, a vacant premises, or a missing security condition can affect a claim. Premiums on these rows are personalised unless a rand figure is already printed.
A business has different risks from a household. Stock, tools, public liability, cyber incidents, commercial vehicles and the death of a key person do not fall under a personal contents policy. Many home policies exclude business use outright.
Buy the covers that match how the business actually operates. A consultant working from a laptop does not need the same schedule as a workshop. WiT Money does not broker business policies and does not publish premiums.
How the cover works
Assets and interruption
Property and stock cover the things. Business interruption cover replaces gross profit for a period after an insured event. One without the other can leave you with a rebuilt premises and no income.
Liability
Public liability responds when someone is injured or their property is damaged and you are legally liable. Professional indemnity is for advice. They are different policies.
People
Key-person cover and buy-and-sell agreements are life policies with a business purpose. They need a contract between the owners, not only an insurance schedule.
What to check
The risk
Premises, advice, vehicles, stock or people.
Sum insured
Replacement of stock at cost, and gross profit on a basis your accountant recognises.
Exclusions
Gradual deterioration, defective workmanship, cyber, and contractual liability you assumed.
The insurer
Authorisation, once checked.
Risks
- A personal policy used for a side business.
- No public liability on a premises the public enters.
- A buy-and-sell policy with no underlying agreement.
Claims and complaints
Report a claim to the insurer, scheme or administrator named on your documents, in the way the policy or scheme rules describe. WiT Money does not decide the claim. If you have complained to that organisation and you are still not satisfied, the National Financial Ombud Scheme handles certain financial complaints, and the Council for Medical Schemes handles medical scheme complaints. Take the policy schedule, the rejection letter and the claim documents with you.
How WiT Money compares these products
Products stay in provider name order. A car excess, a funeral benefit, a medical scheme contribution and a pet plan are not sorted against one another. Nothing is ranked as the cheapest. A listed name is not a recommendation, and WiT Money does not sell the policy. Where this site has the provider's logo, it is shown. Otherwise the name is shown without a mark. An FSP number or a scheme registration number is not printed unless the recorded page already states it, and it is not a register check by WiT Money.
Questions readers ask
Does my home contents policy cover my business laptop?
Often only if the policy allows business use, and often not for stock or liability. Read the exclusions. When in doubt, ask the insurer in writing.
What is business interruption?
Cover for the income you lose after an insured event damages the business. It is not cover for a quiet month, and it is not cover for a pandemic unless the wording says so.
Do you arrange cover?
No. Speak to an authorised financial services provider if you want advice or a policy.
Related products
Guides
Other insurance pages
Sources
Page updated 29 October 2026. A source date is the day WiT Money checked that page, not a promise the institution has not changed it since.
- Financial Sector Conduct Authority
Financial Sector Conduct Authority · checked 28 October 2026
- South African Reserve Bank
South African Reserve Bank · checked 28 October 2026
- SASRIA
SASRIA SOC Ltd · checked 29 October 2026
- National Financial Ombud Scheme South Africa
National Financial Ombud Scheme South Africa · checked 29 October 2026