Multi Insurance Brokers

An Authorized Financial Service Provider: FSP 5138

Our commercial insurance products are designed to provide comprehensive cover of all exposures that may affect your business, not only at the premises itself but also those away from your premises. We will consult with you personally in order to tailor-make a product that is unique and best suited to your business to ensure that you benefit from the most comprehensive, cost effective product.

Household contents
(All contents of the private dwelling)

Comprehensive cover of all losses relating to the household contents.

All risk items
(Cell phones, iPads, GPS, notebooks, jewellery, clothing and personal effects etc.)

All risk cover of any loss both at home and away from the premises.

Building
(Structures with fixtures & fittings)

Comprehensive cover for loss or damage to the building including fixtures and fittings.

Motor vehicle insurance
(private vehicle, motorcycle, trailers, caravans, vehicle liability etc.)

Comprehensive options available to cover any type of vehicle for all classes of use.

Water Craft

Comprehensive options available to cover water crafts such as motor boats, sail boats and jet skis, among other things, whilst on land or on water.

Personal Legal Liability

Cover where you could become legally liable to pay damages for death of or injury to any person or damage to their property.

Water Craft Liability

This cover is automatically included for a water craft insured under the water craft section. It covers death of or injury to others, or damage to their property, caused by your craft.

Extended Personal Legal Liability

Choose this section to enjoy even wider cover and higher limits for personal legal liability and liability that results from the use of vehicles or water craft.

Emergency Roadside Assistance and Household Maintenance Cover

SASRIA
(South African Special Risks Insurance Association)

This extension provides cover for riots, strikes and public disorder.

These bespoke products offers personalised premiums, higher cover limits and extensive cover to meet your unique needs as an affluent individual. All backed by a unique and differentiated experience of having a dedicated team of world-class claims and service consultants to support you.

From luxury homes, watercraft and cars to jewellery and fine art, this product is exclusively designed to complement your unique lifestyle.

Our commercial insurance products are designed to provide comprehensive cover of all exposures that may affect your business, not only at the premises itself but also those away from your premises. We will consult with you personally in order to tailor-make a product that is unique and best suited to your business to ensure that you benefit from the most comprehensive, cost effective product.

• Fire
• Buildings combined
• Office content
• Business interruption
• Accounts receivable
• Theft
• Money
• Glass
• Fidelity
• Goods in transit
• Business all risks
• Accidental damage
• Public liability
• Employers' liability
• Stated benefits
• Group personal accident
• Machinery breakdown
• Motor
• Electronic equipment
• Motor traders-internal risk
• House-owners
• Motor traders-external risk
• Deterioration of stock

We have specialized products to suit any farmers' unique needs. Whether you keep livestock, harvests wheat or grow vineyards, the one thing you need is an insurance policy which protects the very things you depend on to earn a living.

If it's a building we have the facilities to insure it! From residential homes and apartments - to commercial and industrial buildings such as offices, business parks and factories - to the more intricate cover required by a body corporate for sectional titles or the HOA.

We also issue insurance certificates required when insuring:

• Residential Sectional Title
• Commercial Sectional Title
• Property Owners' combined
• Houseowners

Corporations of all sizes face a multitude of financial, commercial and management liability risks every day, and those particularly exposed include professional firms, financial institutions, retailers, manufacturers, wholesalers and distributors.

The typical cover offered by the market usually includes damages claimed by third parties, as well as professional misdemeanours such as negligence, providing misleading or incorrect advice, mismanaging funds, infringing the Companies Act, violating the employee process, and employee dishonesty and theft. All of these involve legal action and can have a significant impact on the finances, and reputations, of the companies and individuals involved.

Our Specialist Liability experts provide niche risk protection solutions against liabilities that are claimed, or alleged, by third parties. The Insurers will engage the best possible attorneys and advocates and work with them to manage claims, pay legal defence costs and cover any damages awarded.

Our products offer effective, tailor-made cover for:

• Directors & officers (wrongful acts, errors or omissions)
• Commercial crime (fraud, theft or dishonesty)
• Professional indemnity (professional errors or omissions)
• Trustee liability (fiduciary responsibilities)
• Product recall and guarantee (cost in retrieving defective products/goods)
• Broad-form public liability (injury or damage caused to third parties or their property during the performance of the business)
• Cyber Insurance (data breach, malicious act, theft of data, PCI-DSS, cyber extortion and crime)

The building of infrastructure is a key facilitator of economic growth. However, the associated risks for firms that undertake this development can be as sizeable as the civil, building and mechanical engineering projects themselves.

This cover is tailored to meet the specific requirements of each project and will typically include protection against demolition risk, building erection risk, lateral support, machinery and electronic equipment breakdown, advanced loss of profits and third-party liabilities.

Commonly the cover options include:

• Contract risks and public liability cover (CAR)
• Dismantling transit and erection (D.T.E) insurance
• Plant all risks (PAR)
• Machinery breakdown, deterioration of stock and loss of profits cover

Tailor-made solutions for a diverse range of products pertaining to:

• Valuables & Art
• Hospitality Industry
• Marine
• Crop
• Heavy Haulage
• Drone Insurance

We can offer you a variety of value added products unique to Multi through a 24/7/365 contact centre. Herewith a brief summary of the enhanced products, services and benefits which can be selected on a standalone basis:

• VIP Home & Office Assist (emergency assistance for electrical, plumbing, electronics, appliances and locksmiths)
• Roadside assistance & tow-in services following mechanical & electrical breakdown
• Sober-Up Drive (7 trips, max. 60kms per trip)
• Car Hire (several options)
• Excess Waivers (Vehicle Basic, windscreen, theft/hi-jacking, Home, contents and geysers respectively)
• Rims & Tyre insurance (cover against accidental damages)

*Please contact us for a detailed policy wording for all limits, eligible persons, vehicles and general terms and conditions.