Insurance guidance, made personal

Business Cover

Clear advice. Considered options. Cover built around what matters.

Explore your options

What to expect

Clear guidance from first conversation to review

Tell us what matters

Share your needs, priorities and concerns.

Speak to a specialist

We connect you with the appropriate Proserve team member.

Compare suitable options

Understand relevant benefits, costs, limits and exclusions.

Put cover in place

Complete the insurer or scheme application and underwriting process.

Review as life changes

Keep your information and cover aligned with changing needs.

Business & commercial cover

Mitigating corporate risk so you can focus on sustainable growth.

Every business has a different risk profile. Proserve works with you to understand your operations, assets, people and liabilities, then helps you explore cover designed around the way your business works.

More than a policy

Build resilience into your business

Safeguard operations

Prepare for insured events that could interrupt trading or damage essential assets.

Manage liability

Address the financial consequences of certain claims made against your business.

Protect people

Consider cover for owners, key employees, teams and workplace responsibilities.

Find the right starting point

Explore your cover options

Select a category to understand what each type of cover is designed to address.

Commercial Insurance

Core protection for the assets and continuity of your operation.

Buildings & contents

Cover business premises, fixtures, furniture and equipment against specified risks.

Stock & equipment

Protect stock, tools and machinery that your business relies on.

Business interruption

Help protect insured revenue or additional costs after a qualifying interruption.

Fire & theft

Cover for defined loss or damage resulting from insured events.

Discuss this cover →

Industry-Specific Cover

A tailored approach for risks that standard policies may not fully address.

Tailor-made protection

Structure cover around the activities, equipment and exposures in your industry.

Specialised requirements

Consider extensions and limits relevant to your particular operation.

Engineering risks

Cover options for machinery breakdown, plant, equipment and selected projects.

Discuss this cover →

Transport Cover

Protection for goods, fleets and transport-related responsibilities.

Goods in transit

Cover goods while they are being transported, subject to policy conditions.

Carriers’ liability

Address certain liabilities arising while carrying goods for others.

Marine & inland transit

Explore cover for goods moving locally or through international supply chains.

Discuss this cover →

Liability Cover

Help protect the business when a third party alleges loss, damage or injury.

Public & products liability

Cover certain claims linked to your premises, operations or products.

Employers’ liability

Protection for qualifying claims arising from workplace injury or illness.

Professional liability

Cover for defined claims linked to professional advice or services.

Discuss this cover →

Business Motor

Cover vehicles that keep your people, products and services moving.

Commercial vehicles

Protection for company cars, bakkies and other business-use vehicles.

Fleet cover

Manage multiple business vehicles under a coordinated insurance arrangement.

Trucks & specialised vehicles

Explore cover appropriate to heavier and purpose-built vehicles.

Discuss this cover →

Life & Group Cover

Support continuity and provide valuable protection for your people.

Key-person cover

Help the business manage the financial impact of losing a vital team member.

Buy-and-sell cover

Support a planned ownership transition after a qualifying life event.

Group life cover

Offer eligible employees financial protection through a group arrangement.

Discuss this cover →

Cover, benefits, exclusions and premiums differ between insurers and products. All cover is subject to the insurer’s terms, conditions, limits and underwriting requirements.

Explore in more detail

Focused guides for each type of cover

Commercial insurance→Liability cover→Business interruption→Fleet & commercial vehicles→Engineering & specialist risks→

Not sure where to begin?

Let’s find the right cover for you

Tell us a little about what you need. A Proserve adviser will contact you to discuss suitable options—without the jargon.

Request advice Contact the team

A simple next step

Tell us what you’d like to protect

Complete this short form and an adviser will be in touch. This area represents your new Fluent Forms lead form in Elementor.

No obligation to proceed
Personal guidance from a real adviser
Your information handled in line with POPIA

Helpful answers

Frequently asked questions

What information is needed for a business insurance review?+

An adviser may ask about your activities, premises, turnover, assets, employees, vehicles, claims history and contractual responsibilities.

Is business interruption included automatically?+

Not necessarily. It is important to confirm the selected indemnity period, insured events, limits and calculation basis.

Can my cover change as the business grows?+

Yes. Review your cover when you add premises, vehicles, equipment, staff, services or new revenue streams.