Commercial insurance protects your business against the risks that can stop it from operating. Fire, theft, vehicle accidents, lost income, damaged goods in transit. These are real events that happen to South African businesses every day.
Polico Africa administers commercial insurance for businesses and brokers across South Africa. We handle everything from quote to renewal so your cover is always current and your business is protected.
Commercial insurance is a range of cover types designed to protect a business against financial loss from events outside its control. It covers your property, your vehicles, your income, your stock in transit, and the contents of your office.
Unlike personal insurance, commercial insurance is structured around the specific risks your business faces. The type of operation you run, what you own, what you sell, and what you stand to lose if something goes wrong.
Polico Africa works with two groups of clients on commercial insurance.
We work directly with SMEs, retail businesses, restaurants and hospitality operators, property owners and landlords, importers and exporters, manufacturers, and contractors who need commercial lines cover for their operations.
We work with insurance brokers and FSPs who place commercial lines business on behalf of their clients. If you are a broker, Polico Africa acts as your administration partner, handling the back-end so you can focus on your clients.
If you are not sure which category applies to you, contact us and we will point you in the right direction.
Covers physical loss or damage to your business property caused by fire and lightning, including your building, stock, and equipment.
Covers the structure of your commercial property against fire, storm, flooding, burst pipes, and other specified events. Suitable for property owners and commercial landlords.
Covers the income your business loses when it cannot operate following an insured event such as a fire or flood. If your premises are damaged and you cannot trade for several weeks or months, this cover protects the income you would have earned during that period.
Covers the equipment, furniture, and assets inside your office against theft, fire, and accidental damage. This includes computers, printers, and other items your business needs to operate day to day.
Covers moveable business assets used away from your premises, including laptops, cameras, tools, and portable equipment that employees take offsite.
Covers your business vehicles against accidents, theft, and damage. Whether you operate a single company car or a multi-vehicle fleet, commercial motor insurance ensures a vehicle accident does not leave your business out of pocket.
Covers trucks, tippers, tankers, and other large commercial vehicles against accidents, damage, and theft. A single heavy vehicle off the road can directly impact your ability to fulfil contracts and generate income.
Covers your stock, cargo, and merchandise against loss or damage while being transported by road, rail, or courier. For importers, exporters, and businesses that move product regularly, this cover protects goods at their most vulnerable point.
Covers farming operations including crops, livestock, farm property, equipment, and agricultural liability. Structured to match the specific risks faced by farming businesses across South Africa.
Need cover for your business or want to place commercial business through us?
If you are an FSP or broker placing commercial lines business, Polico Africa acts as your administration partner. We handle quotations, policy inception, mid-term amendments, renewals, and claims coordination across all commercial products.
Our role is to take the administrative load off your desk so you can focus on your clients. We are FSCA-registered (FSP 4598), POPIA compliant, and have been working with South African brokers since 2005.
Ready to place commercial business through us? Call +27 11 482 9288 or email info@policoafrica.co.za
Our step-by-step approach ensures clarity, speed, and consistency at every stage of your commercial lines administration.
We review and assist with placing the right commercial risk cover, ensuring that documentation is aligned and turnaround time stays short for all your business insurance.
From day-to-day amendments to policy renewals, we support brokers and underwriters with the administrative processes that keep your commercial business moving smoothly and compliantly.
When commercial claims arise, our team coordinates documentation, clarifies exclusions, and keeps all parties informed throughout the process for a seamless resolution.
Save your precious time by finding solutions. CONTACT US NOW.
Commercial insurance covers your business property, buildings, vehicles, income, office contents, and stock in transit, depending on which products you take out.
Yes. Businesses of all sizes face risks from fire, theft, and vehicle accidents. Commercial insurance protects the assets and income your business depends on regardless of its size.
Fire insurance covers physical assets like stock and equipment damaged by fire. Building insurance covers the structure of the property itself against fire, storm, flooding, and other specified events.
Loss of profit insurance covers the income your business loses when it cannot operate following an insured event. It covers the gap between when an incident happens and when your business is back to normal.
Yes. Heavy commercial vehicles such as trucks, tippers, and tankers require specialist cover that reflects their higher values and specific operational risks.
Still have questions? Contact us and let’s chat.
Whether you are a business owner looking for commercial cover or a broker wanting to place commercial lines business through us, get in touch and we will respond within 24 hours.
Reliable short-term insurance administration
support for South African brokers. Reliable quotes, seamless claims, and trusted compliance since 2005.
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