Complete Insurance
Commercial Insurance for South African Businesses
Running a business in South Africa involves multiple risks property damage, third‑party claims, fleet accidents and even political unrest. TRUM Africa’s commercial insurance packages combine public liability, business interruption, motor and fleet and political violence cover so that your organisation can operate with confidence. Should an unforeseen event occur, our policies provide financial support to keep your operations running and protect your reputation. We also offer specialist extensions such as kidnap and ransom cover and cyber threat protection. Speak to our advisors for a tailored policy that reflects your sector and risk appetite.
Business Operations and Public Interactions Insurance Solutions
Every business interaction, whether internal or with the public, carries potential risks that need to be managed effectively.
We offer insurance solutions that safeguard businesses against claims from third parties and protect leadership teams from potential liabilities related to their roles. This dual approach ensures smooth operations and upholds the integrity of the organization.
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.
Vehicle and Transportation Management Solutions
Efficient transportation and vehicle management are vital for businesses, ensuring seamless operations and safeguarding against potential liabilities.
We provide comprehensive coverage for both individual vehicles and extensive fleets, as well as specialized protection for businesses involved in passenger transit. This ensures that businesses can operate with confidence, knowing they’re shielded from potential transportation-related risks.
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.
Specialized Threats and Security
In today’s fast-moving world, businesses deal with all kinds of specialised risks, and they need protection that fits just right.
Our specialized insurance solutions address challenges ranging from cyber threats and political unrest to unique situations like kidnappings. By offering robust protection against these diverse risks, we ensure businesses can navigate the modern world with confidence.
