HOUSE CONTENTS
You can't place a value on sentimental goods but it's easy to
underestimate the value of your house contents. We know that in the unfortunate event that something goes wrong,
it could cost you dearly. House
contents policy provides peace of mind by covering your possessions in the event
of an accident, burglary or loss.
We'll give you the convenience of the following benefits:
·
Medical expenses of guests
·
Medical expenses of domestic employees
Personal effects of guests
·
Personal effects of domestic employees
Contents of fridges and freezers
·
Contents of storage after damage
·
Trauma treatment
·
Security guards
The general content of your home typically
includes:
·
Furniture, furnishings, carpets and rugs, linen, blankets,
towels
·
Electrical items such as TV's and DVD
recorders
·
Clothes and shoes
·
Toys and sporting equipment
Handyman tools such as drills and saws
Gardening equipment
We also offer additional optional cover for your home in the event
of accidental damage to your valuable items for example your plasma TV
accidentally falling and breaking.
BUILDINGS INSURANCE
We'll provide the cover for domestic residential buildings which
can be locked up, as well as improvements to residential buildings such as:
garages, carports and in-ground swimming pools.
We'll give you the convenience of the following
benefits:
·
Medical expenses of guests
Medical expenses of domestic employees
Damage to gardens
Emergency accommodation
Security guards
If your home has been affected by subsidence or landslip or heave
(which is the upward, downward, sideways movement of the ground on which your
property is built) or your property is in an area that is prone to these types
of risks, you will be aware of how difficult it can be to obtain comprehensive
house insurance. We provide the appropriate comprehensive insurance, giving you
that extra peace of mind
CAR / VEHICLE INSURANCE
They say you need only look at any vehicle's headlights to tell
which way it's coming from. The truth is, when it comes to vehicles, some of us
know a lot while others know just enough. Our comprehensive cover extends to all
vehicle types, whether it is a motorcycle, a truck, a trailer or a sports
car.
Choose from following cover options for your vehicle(s):
Comprehensive cover
Third party, fire and theft cover
Third party (only) cover
We offer additional benefits designed to give you peace of mind
whenever you're on the road and to assist you at a time when you need it most.
Our benefits include:
Emergency accommodation
Emergency costs such a toiletries or
medicine
Recovery costs
·
Medical expenses for you or your family
Trauma treatment
We offer a competitively-priced, motor-alone policy which has the
added benefit of allowing you to add cover for your personal
effects.
Our 4x4 vehicle policy provides cover for emergency repairs,
winching equipment, repatriation costs, extinguishing costs and wreckage
removal. Our 4x4 vehicle cover is available in 14 African countries, including
Angola, Rwanda and Tanzania.
You also have the choice of optional cover to insure your luxury
vehicle with added benefits for the head, tail or spot lights, loss of keys,
tow-in costs and safeguarding after mechanical
breakdown.
Personal Accident Policy provides cover for death or injury
following any accident, with the option to restrict cover to road accidents
only. Insured sums range from R50 000 up to R5 million, depending on your age,
income and choice. We also provide optional cover for death and permanent
disability, including a Hospital Benefit and the Temporary Total disablement
benefit.
PERSONAL ALL RISK
Possessions. Stuff. Things. These things are important to you, we
know. Your personal belongings policy (otherwise known as All Risks) offers
comprehensive cover for all your valuable personal
items.
Our All Risks cover section provides cover for loss or damage to
items you normally wear or carry with you outside your home. This includes items
such as your clothing and personal belongings.
Choose cover for any or all of the following items:
Cell phone
·
Laptop
·
Audiovisual equipment
Jewellery
Special collection insurance
WATERCRAFT
If watersports give you a thrill, we'll insure your watercraft
against loss or damage, including cover for salvage costs and inspection of the
hull after stranding. We also offer comprehensive insurance for most types of watercraft as well as the accessories that are
normally sold with it.
We'll give you the convenience of the following benefits:
Emergency repairs
Emergency cost
·
Recovery accommodation
·
Medical expenses (for your family)
Trauma treatment
Our Watercraft policy also insures you against many common
liability losses regardless of whether it is operated by you or another person.
In situations like these, you have the option to be covered
for:
Damage to another craft or dock
Bodily injury or death to another person due to your
negligence
The negligence of another driver while using your
craft
·
Towed water skiers or wake boarders who become injured using your
craft
Physical damage to the hull, machinery, and
equipment
Injury to you caused by an uninsured watercraft
operator
Towing assistance if you break down on the
water.
You can't place a value on sentimental goods but it's easy to
underestimate the value of your house contents. We know that in the unfortunate event that something goes wrong,
it could cost you dearly. House
contents policy provides peace of mind by covering your possessions in the event
of an accident, burglary or loss.
We'll give you the convenience of the following benefits:
·
Medical expenses of guests
·
Medical expenses of domestic employees
Personal effects of guests
·
Personal effects of domestic employees
Contents of fridges and freezers
·
Contents of storage after damage
·
Trauma treatment
·
Security guards
The general content of your home typically
includes:
·
Furniture, furnishings, carpets and rugs, linen, blankets,
towels
·
Electrical items such as TV's and DVD
recorders
·
Clothes and shoes
·
Toys and sporting equipment
Handyman tools such as drills and saws
Gardening equipment
We also offer additional optional cover for your home in the event
of accidental damage to your valuable items for example your plasma TV
accidentally falling and breaking.
BUILDINGS INSURANCE
We'll provide the cover for domestic residential buildings which
can be locked up, as well as improvements to residential buildings such as:
garages, carports and in-ground swimming pools.
We'll give you the convenience of the following
benefits:
·
Medical expenses of guests
Medical expenses of domestic employees
Damage to gardens
Emergency accommodation
Security guards
If your home has been affected by subsidence or landslip or heave
(which is the upward, downward, sideways movement of the ground on which your
property is built) or your property is in an area that is prone to these types
of risks, you will be aware of how difficult it can be to obtain comprehensive
house insurance. We provide the appropriate comprehensive insurance, giving you
that extra peace of mind
CAR / VEHICLE INSURANCE
They say you need only look at any vehicle's headlights to tell
which way it's coming from. The truth is, when it comes to vehicles, some of us
know a lot while others know just enough. Our comprehensive cover extends to all
vehicle types, whether it is a motorcycle, a truck, a trailer or a sports
car.
Choose from following cover options for your vehicle(s):
Comprehensive cover
Third party, fire and theft cover
Third party (only) cover
We offer additional benefits designed to give you peace of mind
whenever you're on the road and to assist you at a time when you need it most.
Our benefits include:
Emergency accommodation
Emergency costs such a toiletries or
medicine
Recovery costs
·
Medical expenses for you or your family
Trauma treatment
We offer a competitively-priced, motor-alone policy which has the
added benefit of allowing you to add cover for your personal
effects.
Our 4x4 vehicle policy provides cover for emergency repairs,
winching equipment, repatriation costs, extinguishing costs and wreckage
removal. Our 4x4 vehicle cover is available in 14 African countries, including
Angola, Rwanda and Tanzania.
You also have the choice of optional cover to insure your luxury
vehicle with added benefits for the head, tail or spot lights, loss of keys,
tow-in costs and safeguarding after mechanical
breakdown.
Personal Accident Policy provides cover for death or injury
following any accident, with the option to restrict cover to road accidents
only. Insured sums range from R50 000 up to R5 million, depending on your age,
income and choice. We also provide optional cover for death and permanent
disability, including a Hospital Benefit and the Temporary Total disablement
benefit.
PERSONAL ALL RISK
Possessions. Stuff. Things. These things are important to you, we
know. Your personal belongings policy (otherwise known as All Risks) offers
comprehensive cover for all your valuable personal
items.
Our All Risks cover section provides cover for loss or damage to
items you normally wear or carry with you outside your home. This includes items
such as your clothing and personal belongings.
Choose cover for any or all of the following items:
Cell phone
·
Laptop
·
Audiovisual equipment
Jewellery
Special collection insurance
WATERCRAFT
If watersports give you a thrill, we'll insure your watercraft
against loss or damage, including cover for salvage costs and inspection of the
hull after stranding. We also offer comprehensive insurance for most types of watercraft as well as the accessories that are
normally sold with it.
We'll give you the convenience of the following benefits:
Emergency repairs
Emergency cost
·
Recovery accommodation
·
Medical expenses (for your family)
Trauma treatment
Our Watercraft policy also insures you against many common
liability losses regardless of whether it is operated by you or another person.
In situations like these, you have the option to be covered
for:
Damage to another craft or dock
Bodily injury or death to another person due to your
negligence
The negligence of another driver while using your
craft
·
Towed water skiers or wake boarders who become injured using your
craft
Physical damage to the hull, machinery, and
equipment
Injury to you caused by an uninsured watercraft
operator
Towing assistance if you break down on the
water.
BUSINESS INSURANCE
Whether you own a small-business or run a large corporation, our
expertise allows us to fully understand the specific risks associated with your
business and provide cover that is tailored to your business
needs.
Our standard business insurance solution provides cover for:
·
Buildings (Combined)
Fire
Office Contents
Business Interruption
Theft
Money
Glass
Goods in Transit
Business All Risk
Accidental Damage
Fidelity Insurance (Theft by Employees)
Public Liability Insurance
Personal Accident
Vehicles
Electronic Equipment
Machinery Breakdown
Note: This solution is not limited to the above sections, additional
cover can be provided if required.
Buildings (Combined)
Your building faces numerous risks that could cause damage to it.
This section provides comprehensive cover for
buildings.
Below is a brief breakdown of what this cover
entails:
We also offer you the following benefits which you are covered for
at no additional cost:
We will also pay for fire extinguishing costs that you may incur
due to damage of your office contents.
To ensure business continuity we include cover for the additional
rent you may need to pay to operate from alternative premises until the damage
to your office contents has been fixed.
Additional Cover:
You may also extend the cover to protect the property against theft
or burglary.
Fire
Fire and related risks can have devastating effects on your
assets.
We provide cover against damage caused by:
Fire
Lightning
Explosion
Storm
Wind
Water
Hail
Snow
Earthquake
Malicious damage
Aircraft impact
We also offer you the following benefits which you are covered for
at no additional cost:
We will pay fire extinguishing, architects' and other professional
costs you may incur through loss or damage to your
buildings/equipment/stock.
Office Contents
Your offices contain many valuable assets from furniture to
documentation which need to be insured.
This cover provides you with insurance against damage caused by:
Fire
Lightning
Explosion
Storm
Wind
Water
Hail
Snow
Earthquake
Impact by Vehicles
Accidental/malicious damage
We also offer you the following benefits which you are covered for
at no additional cost:
We will also pay for fire extinguishing costs that you may incur
due to damage of your office contents.
To ensure business continuity we include cover for the additional
rent you may need to pay to operate from alternative premises until the damage
to your office contents has been fixed.
Additional Cover:
You may also extend the cover to protect the property against theft
or burglary.
Business Interruption
Damage to your property may result in reduced turnover or
additional expenses which may cause serious business interruption that you
did not plan for.
Herewith follows a brief breakdown of what business interruption
cover entails:
Insurance for gross profits
Insurance for gross rentals
Insurance for gross revenue
·
Insurance for additional increase in cost of working
We also offer you the following benefit which you are covered for
at no additional cost:
Cover for infrastructural damage that occurs within a 10 kilometre
radius or your business which hampers customers accessing your premises.
Additional Cover:
At a small additional premium you can also extend the cover to
insure your business against a reduction in turnover following damage to the
property of clients and suppliers.
Theft
This cover insures your business contents against loss or
damage after forcible and violent entry or exit into your building. The
section includes cover in the event of an armed
robbery:
We also offer you the following benefits which you are covered for
at no additional cost:
Damage to buildings (up to R5 000)
Damage to fixtures / fittings (up to R5 000)
Locks / keys (up to R2 000)
Note: Theft of office contents is covered under the Office Contents
section.
Money
There is bound to be money kept at your premises or in transit from
time to time. We provide cover for loss of/or damage to money on your
premises or while in transit to and from the bank.
We also offer you the following benefits which you are covered for
at no additional cost:
·
Loss or damage to money containers (up to R3 000)
Loss of locks/keys (up to R3 000)
Glass
Accidental breakage of glass is inconvenient and exposes your property. You therefore need to
ensure that you are covered for this risk.
Our cover includes:
·
External and internal glass and building signage
cover.
We offer you the following benefits which you are covered for at no
additional cost:
Cost of frames, shop fronts and window displays (up to R2 000).
Goods in Transit
Goods are often damaged or stolen while being transported,
which is why you need to ensure that you are covered for this
risk.
You can choose between the following cover options:
Comprehensive cover
Limited cover (damage following a fire, collision or vehicle overturning)
Limited cover that includes theft and
hijackings
Business All Risks
The Business all risks section provides comprehensive cover for
loss or damage to equipment at your premises or while it is off your
premises.
To illustrate when this cover would be applicable, we refer to an
example of a professional photographer who travels extensively with equipment.
He should be insured under this section as it provides for worldwide
cover.
Accidental Damage
It is difficult to think of everything that can have an impact
on your business. Sometimes extraordinary events occur that are not insured
anywhere else on a policy (e.g. collapse of
shelving).
Accidental damage provides cover for these circumstances as long as
it is not insured under another section of your
policy.
Fidelity Insurance (Theft by employees)
Though you take care in appointing a qualified and ethical
workforce, theft by your employees is still an unfortunate
possibility.
Our cover includes:
Compensation for financial loss to your company due to theft (money
or stock) by your employees.
Public Liability Insurance
Public liability insurance covers you in the event that you or one
of your employees causes damage to someone else's propertyor causes the
death or injury of someone during the course of
business.
Our cover includes:
Defending you against a third-party claim, if you are found legally
liable the damages awarded, and the third-party legal costs will be covered up
to the limit insured.
Personal accident cover (Individuals & employees)
Should you or one of your employees be injured accidentally,
whether working or otherwise this section will provide a pay-out based on the
compensation limit you requested. This can either be on a stated benefit basis
(i.e. related to annual salary of employees, or a fixed
amount).
Vehicles
This covers vehicles such as motor cars, bakkies, busses,
trucks, trailers, caravans, motorcycles and special type
vehicles.
Cover options include:
Comprehensive cover - all risks (see benefits below)
Limited cover- Third party, fire and theft
Limited cover- Third party only
Comprehensive cover includes the following benefits:
Motor vehicle repairs (following an accident) up to R2 000 without prior consent is automatically included.
Medical expenses following a motor vehicle accident up to R1 000
per occupant automatically included.
Unauthorised passenger liability cover automatically included up to
R2.5 million in respect of motorcars and bakkies.
Loss of keys
·
Fire extinguishing charges
Additional Cover:
At a small additional premium, vehicle hire can be included if your
vehicle is unusable due to loss or damage.
Electronic Equipment
Your computers and other electronic equipment are an integral
part of your business and you therefore need to insure
them.
We offer you the following benefits which you are covered for at no
additional cost:
In addition to the replacement or repair of your hardware, we will
also pay for architects and other professional fees, clearing of debris,
erecting hoardings to protect your property, the cost of express delivery and
overtime, to ensure we get your business up and running as quickly as
possible.
Additional Cover:
You may also extend this section to provide cover for the
reinstatement of your data and computer programmes.
Machinery Breakdown
Your machinery may be covered under the Fire and Theft section.
However, in some instances you may incur accidental damage to your equipment and
machinery by:
Lack of skill of the operator
Carelessness
·
Short circuits
We will also cover costs involved with overtime, night work (or
work required on public holidays) and express freight to repair the plant &
machinery as soon as possible.
Business interruption (Following machinery breakdown)
The breakdown of your plant or machinery will have a negative
impact on the running of your business.
This section covers for reduction in turnover and increased working
following a machinery breakdown/loss (if insured in terms of the Machinery
breakdown section).
Deterioration of stock
Breakdown of machinery may result in the loss of refrigerated
stock. This section provides cover for this occurrence (provided the
machinery was insured in terms of the Machinery breakdown section).
GUESTHOUSE
Whether you are a guesthouse or small bed & breakfast owner we
can offer you a comprehensive product for your business/private premises with a
number of specific extensions to further enhance the insurance offering.
Our expertise allows us to assess your business risk concerns, such
as the safety of your guests, risk of theft and natural disasters, and provide
customised risk solutions.
When insured with us, you can enjoy peace of mind knowing that your
guesthouse is covered. Take advantage of our expertise in Guesthouse insurance by speaking to your us today.
Benefits of insuring with us
Comprehensive cover - with us there is no bad surprises. Our breadth of expertise
allows us to recognise potential risks to protect the future of your
business.
First class claims handling - We handle your claim with care and accountability. We do
whatever we can to settle your claim, rather than expend our energies looking
for excuses not to.
Good risk client rewards - We continuously seek to reward our clients. Our risk management
drive encourages you to reduce your commercial risks effectively, as a lower
risk profile allows for a favourable premium.
MEDICAL PRACTITIONERS INSURANCE
Shopping for medical insurance for your medical practice can be a daunting task, therefore you
need expertise to protect your assets, your employees, yourself and ultimately
ensure the longevity of your practice.
Mediplex is structured to meet the specific needs of a medical
practitioner in addition to providing personal insurance. Medical practitioners
cover includes contents of the surgery, loss of income and money.
When insured with us, you can enjoy peace of mind knowing that your
practice is covered.
Benefits of insuring with us
Comprehensive cover - with us there is no bad surprises. Our breadth of expertise
allows us to recognise potential risks to protect the future of your
business.
First class claims handling - we handle your claim with care and accountability. We do
whatever we can to settle your claim, rather than expend our energies looking
for excuses not to.
TOURISM, LEISURE AND ENTERTAINMENT INSURANCE
Over 94 years of industry know how means we have the insight to
assess the specific insurance needs of your practice. We understand what your most valued assets
are and how to cover them.
This solution was specifically designed with the following types of
business in mind:
Hotels and lodges
Guesthouses (with more than 20 rooms)
Self catering accommodation
Privately-owned restaurants
Caravan parks and resorts
Timeshare resorts
Conference centres
Sports clubs (e.g. golf and bowling)
Golf courses
Health centres
Whether you own a small-business or run a large corporation, our
expertise allows us to fully understand the specific risks associated with your
business and provide cover that is tailored to your business
needs.
Our standard business insurance solution provides cover for:
·
Buildings (Combined)
Fire
Office Contents
Business Interruption
Theft
Money
Glass
Goods in Transit
Business All Risk
Accidental Damage
Fidelity Insurance (Theft by Employees)
Public Liability Insurance
Personal Accident
Vehicles
Electronic Equipment
Machinery Breakdown
Note: This solution is not limited to the above sections, additional
cover can be provided if required.
Buildings (Combined)
Your building faces numerous risks that could cause damage to it.
This section provides comprehensive cover for
buildings.
Below is a brief breakdown of what this cover
entails:
We also offer you the following benefits which you are covered for
at no additional cost:
We will also pay for fire extinguishing costs that you may incur
due to damage of your office contents.
To ensure business continuity we include cover for the additional
rent you may need to pay to operate from alternative premises until the damage
to your office contents has been fixed.
Additional Cover:
You may also extend the cover to protect the property against theft
or burglary.
Fire
Fire and related risks can have devastating effects on your
assets.
We provide cover against damage caused by:
Fire
Lightning
Explosion
Storm
Wind
Water
Hail
Snow
Earthquake
Malicious damage
Aircraft impact
We also offer you the following benefits which you are covered for
at no additional cost:
We will pay fire extinguishing, architects' and other professional
costs you may incur through loss or damage to your
buildings/equipment/stock.
Office Contents
Your offices contain many valuable assets from furniture to
documentation which need to be insured.
This cover provides you with insurance against damage caused by:
Fire
Lightning
Explosion
Storm
Wind
Water
Hail
Snow
Earthquake
Impact by Vehicles
Accidental/malicious damage
We also offer you the following benefits which you are covered for
at no additional cost:
We will also pay for fire extinguishing costs that you may incur
due to damage of your office contents.
To ensure business continuity we include cover for the additional
rent you may need to pay to operate from alternative premises until the damage
to your office contents has been fixed.
Additional Cover:
You may also extend the cover to protect the property against theft
or burglary.
Business Interruption
Damage to your property may result in reduced turnover or
additional expenses which may cause serious business interruption that you
did not plan for.
Herewith follows a brief breakdown of what business interruption
cover entails:
Insurance for gross profits
Insurance for gross rentals
Insurance for gross revenue
·
Insurance for additional increase in cost of working
We also offer you the following benefit which you are covered for
at no additional cost:
Cover for infrastructural damage that occurs within a 10 kilometre
radius or your business which hampers customers accessing your premises.
Additional Cover:
At a small additional premium you can also extend the cover to
insure your business against a reduction in turnover following damage to the
property of clients and suppliers.
Theft
This cover insures your business contents against loss or
damage after forcible and violent entry or exit into your building. The
section includes cover in the event of an armed
robbery:
We also offer you the following benefits which you are covered for
at no additional cost:
Damage to buildings (up to R5 000)
Damage to fixtures / fittings (up to R5 000)
Locks / keys (up to R2 000)
Note: Theft of office contents is covered under the Office Contents
section.
Money
There is bound to be money kept at your premises or in transit from
time to time. We provide cover for loss of/or damage to money on your
premises or while in transit to and from the bank.
We also offer you the following benefits which you are covered for
at no additional cost:
·
Loss or damage to money containers (up to R3 000)
Loss of locks/keys (up to R3 000)
Glass
Accidental breakage of glass is inconvenient and exposes your property. You therefore need to
ensure that you are covered for this risk.
Our cover includes:
·
External and internal glass and building signage
cover.
We offer you the following benefits which you are covered for at no
additional cost:
Cost of frames, shop fronts and window displays (up to R2 000).
Goods in Transit
Goods are often damaged or stolen while being transported,
which is why you need to ensure that you are covered for this
risk.
You can choose between the following cover options:
Comprehensive cover
Limited cover (damage following a fire, collision or vehicle overturning)
Limited cover that includes theft and
hijackings
Business All Risks
The Business all risks section provides comprehensive cover for
loss or damage to equipment at your premises or while it is off your
premises.
To illustrate when this cover would be applicable, we refer to an
example of a professional photographer who travels extensively with equipment.
He should be insured under this section as it provides for worldwide
cover.
Accidental Damage
It is difficult to think of everything that can have an impact
on your business. Sometimes extraordinary events occur that are not insured
anywhere else on a policy (e.g. collapse of
shelving).
Accidental damage provides cover for these circumstances as long as
it is not insured under another section of your
policy.
Fidelity Insurance (Theft by employees)
Though you take care in appointing a qualified and ethical
workforce, theft by your employees is still an unfortunate
possibility.
Our cover includes:
Compensation for financial loss to your company due to theft (money
or stock) by your employees.
Public Liability Insurance
Public liability insurance covers you in the event that you or one
of your employees causes damage to someone else's propertyor causes the
death or injury of someone during the course of
business.
Our cover includes:
Defending you against a third-party claim, if you are found legally
liable the damages awarded, and the third-party legal costs will be covered up
to the limit insured.
Personal accident cover (Individuals & employees)
Should you or one of your employees be injured accidentally,
whether working or otherwise this section will provide a pay-out based on the
compensation limit you requested. This can either be on a stated benefit basis
(i.e. related to annual salary of employees, or a fixed
amount).
Vehicles
This covers vehicles such as motor cars, bakkies, busses,
trucks, trailers, caravans, motorcycles and special type
vehicles.
Cover options include:
Comprehensive cover - all risks (see benefits below)
Limited cover- Third party, fire and theft
Limited cover- Third party only
Comprehensive cover includes the following benefits:
Motor vehicle repairs (following an accident) up to R2 000 without prior consent is automatically included.
Medical expenses following a motor vehicle accident up to R1 000
per occupant automatically included.
Unauthorised passenger liability cover automatically included up to
R2.5 million in respect of motorcars and bakkies.
Loss of keys
·
Fire extinguishing charges
Additional Cover:
At a small additional premium, vehicle hire can be included if your
vehicle is unusable due to loss or damage.
Electronic Equipment
Your computers and other electronic equipment are an integral
part of your business and you therefore need to insure
them.
We offer you the following benefits which you are covered for at no
additional cost:
In addition to the replacement or repair of your hardware, we will
also pay for architects and other professional fees, clearing of debris,
erecting hoardings to protect your property, the cost of express delivery and
overtime, to ensure we get your business up and running as quickly as
possible.
Additional Cover:
You may also extend this section to provide cover for the
reinstatement of your data and computer programmes.
Machinery Breakdown
Your machinery may be covered under the Fire and Theft section.
However, in some instances you may incur accidental damage to your equipment and
machinery by:
Lack of skill of the operator
Carelessness
·
Short circuits
We will also cover costs involved with overtime, night work (or
work required on public holidays) and express freight to repair the plant &
machinery as soon as possible.
Business interruption (Following machinery breakdown)
The breakdown of your plant or machinery will have a negative
impact on the running of your business.
This section covers for reduction in turnover and increased working
following a machinery breakdown/loss (if insured in terms of the Machinery
breakdown section).
Deterioration of stock
Breakdown of machinery may result in the loss of refrigerated
stock. This section provides cover for this occurrence (provided the
machinery was insured in terms of the Machinery breakdown section).
GUESTHOUSE
Whether you are a guesthouse or small bed & breakfast owner we
can offer you a comprehensive product for your business/private premises with a
number of specific extensions to further enhance the insurance offering.
Our expertise allows us to assess your business risk concerns, such
as the safety of your guests, risk of theft and natural disasters, and provide
customised risk solutions.
When insured with us, you can enjoy peace of mind knowing that your
guesthouse is covered. Take advantage of our expertise in Guesthouse insurance by speaking to your us today.
Benefits of insuring with us
Comprehensive cover - with us there is no bad surprises. Our breadth of expertise
allows us to recognise potential risks to protect the future of your
business.
First class claims handling - We handle your claim with care and accountability. We do
whatever we can to settle your claim, rather than expend our energies looking
for excuses not to.
Good risk client rewards - We continuously seek to reward our clients. Our risk management
drive encourages you to reduce your commercial risks effectively, as a lower
risk profile allows for a favourable premium.
MEDICAL PRACTITIONERS INSURANCE
Shopping for medical insurance for your medical practice can be a daunting task, therefore you
need expertise to protect your assets, your employees, yourself and ultimately
ensure the longevity of your practice.
Mediplex is structured to meet the specific needs of a medical
practitioner in addition to providing personal insurance. Medical practitioners
cover includes contents of the surgery, loss of income and money.
When insured with us, you can enjoy peace of mind knowing that your
practice is covered.
Benefits of insuring with us
Comprehensive cover - with us there is no bad surprises. Our breadth of expertise
allows us to recognise potential risks to protect the future of your
business.
First class claims handling - we handle your claim with care and accountability. We do
whatever we can to settle your claim, rather than expend our energies looking
for excuses not to.
TOURISM, LEISURE AND ENTERTAINMENT INSURANCE
Over 94 years of industry know how means we have the insight to
assess the specific insurance needs of your practice. We understand what your most valued assets
are and how to cover them.
This solution was specifically designed with the following types of
business in mind:
Hotels and lodges
Guesthouses (with more than 20 rooms)
Self catering accommodation
Privately-owned restaurants
Caravan parks and resorts
Timeshare resorts
Conference centres
Sports clubs (e.g. golf and bowling)
Golf courses
Health centres