Commercial Insurance for South African Businesses
Specialist Commercial Insurance for Southern Africa & the Indian Ocean. Protecting your daily operations while securing long-term growth. Operating in regions like South Africa and Mauritius brings specific challenges—from property damage and third-party claims to fleet accidents and political unrest. TRUM Africa provides integrated commercial packages combining public liability, business interruption, and SASRIA-aligned political violence cover. Whether you are managing a safari lodge in the Kruger or a resort in Flic-en-Flac, our policies provide the financial backbone to maintain continuity and protect your brand. We also offer niche extensions, including kidnap and ransom and cyber risk protection. Talk to our regional experts for a policy tailored to your risk profile.
Liability Solutions for Hospitality and Public Interactions
Every guest interaction from the check-in desk to guided marine tours carries inherent risks.
We provide robust liability cover to safeguard your business against third-party claims and protect your directors from personal liability. This dual-layered approach ensures your management team can lead with confidence, knowing the organization’s integrity and assets are fully insulated against litigation in local and international courts.
Liability & Public Risk Cover
Safeguard your business against claims resulting from injuries or damages to third parties, ensuring your reputation remains untarnished
Directors and Officers
Protect your leadership team against potential claims arising from their roles, ensuring they can lead with confidence and integrity.
Frequently Asked Questions
- What does commercial insurance include?
It typically includes property cover, public liability, business interruption, fleet insurance and optional extensions such as political violence or cyber protection. - Do I need kidnap & ransom insurance
High‑risk sectors and executives operating in unstable regions may benefit from kidnap and ransom cover. - How does business interruption insurance work?
It reimburses lost income and operating expenses if your business is forced to close due to insured events like fire or natural disaster.
- Is political violence insurance relevant in South Africa?
Yes. Businesses can protect themselves against losses caused by riots, strikes or politically motivated unrest. - Can I combine liability and motor insurance?
TRUM Africa can bundle public liability and fleet cover into a single commercial policy to simplify administration.
Boost your portfolio with 5-in-1 Protect, the no-waiting, high-commission excess cover that simplifies claims, increases revenue, and keeps your clients happy.
Fleet and Passenger Transit Solutions.
Fleet and Passenger Transit Solutions. Reliable transport is the lifeblood of African tourism, yet it presents significant liability exposure. We offer comprehensive cover for individual 4×4 safari vehicles, luxury airport transfers, and extensive commercial fleets. Our specialized passenger liability protection is essential for operators in South Africa and Mauritius, ensuring you are shielded from claims arising during transit. Whether on a bush road or a coastal highway, your fleet remains protected against accidents, theft, and third-party damage.
Passenger Liability Insurance
Tailored solutions for businesses transporting passengers, covering potential claims arising from injuries or damages during transit.
Motor & Fleet Insurance
Whether you operate a single vehicle or a fleet, our insurance solutions cover potential damages, liabilities, and other on-road risks, ensuring smooth operations.
Crisis Management and Specialised Security Risks
African hospitality businesses face unique threats that standard commercial policies often overlook.
We provide targeted protection for cyber-attacks, political unrest, and critical security incidents like kidnap and ransom. From protecting guest data against digital breaches to mitigating the impact of regional instability, our specialized solutions empower owners to navigate complex environments. We ensure your business is resilient, regardless of the shifting political or digital landscape.
