Short Term Insurance

Protect your business against commercial business interruptions, costs of property damage, theft, claims made against your business by others - as well as much more. Direct Financial Planning professionals and our experienced underwriting team will help you structure business insurance solutions to better identify, quantify and manage risk exposure.

Fire Insurance for businesses protects your physical assets such as buildings, equipment, and stock from fire damage. This essential coverage helps businesses recover quickly by covering repair or replacement costs, minimizing downtime, and ensuring business continuity after a fire.

Building Combined Insurance offers comprehensive coverage for both the physical structure of your business premises and the contents inside. This policy covers risks such as fire, flood, theft, and accidental damage, making it a critical part of your business’s risk management strategy.

Protect the contents of your office, from furniture and computers to important documents, with Office Contents Insurance. This coverage ensures that any losses or damages to your office equipment and supplies are compensated, allowing your business to recover without major financial strain.

Business Interruption Insurance provides compensation for lost income if your company is forced to halt operations due to unforeseen events such as fires, floods, or other disasters. This ensures that you can continue to pay overheads like rent, payroll, and other essential expenses while your business gets back on its feet.

Theft Insurance safeguards your business against losses due to burglary or other forms of theft. It covers the value of stolen goods and the cost of repairing any damage caused during the theft, providing financial security to businesses of all sizes.

Money Insurance covers the loss of cash, cheques, or other financial instruments due to theft, whether on-site or in transit. This policy is especially crucial for businesses that handle large volumes of cash on a regular basis, providing protection from significant financial losses.

Glass Insurance protects your business from the costs associated with broken windows or glass installations, which can occur due to accidents or vandalism. This cover ensures that the replacement or repair of damaged glass is taken care of without burdening your business finances.

Fidelity Guarantee Insurance protects your company from financial losses caused by employee dishonesty, such as theft or fraud. This insurance is essential for safeguarding against internal risks and helps businesses recover any stolen funds or assets.

Goods in Transit Insurance provides cover for your products while they are being transported, whether locally or internationally. This policy ensures that your business is compensated for any loss or damage to goods in transit, safeguarding your supply chain and customer satisfaction.

Business All Risks Insurance provides broad coverage for a wide range of potential threats to your business assets, both on-site and off-site. From theft to accidental damage, this policy ensures that your business is protected against unexpected losses.

Accidental Damage Insurance covers any unexpected, sudden physical damage to your business property or equipment. This insurance is essential for safeguarding your business from costly repairs and downtime due to accidents or unforeseen events.

Public Liability Insurance protects your business from legal claims if a third party suffers injury or property damage due to your operations. This cover ensures that your business can handle legal fees and compensation payouts, keeping your operations secure from the financial impact of liability claims.

Employers’ Liability Insurance provides cover for legal claims made by employees who suffer illness or injury as a result of their work. This protection is vital for businesses to comply with South African labor laws and ensure financial protection against workplace-related claims.

Group Personal Accident Insurance provides cover for your employees in the event of an accident, ensuring that they receive compensation for medical expenses, temporary disability, or death. This insurance is a valuable employee benefit that helps safeguard the well-being of your workforce.

Motor Insurance for businesses provides comprehensive cover for company vehicles, whether they are used for deliveries, employee transportation, or other business purposes. This insurance protects your fleet from risks like accidents, theft, or damage, ensuring that your operations can continue smoothly.

Electronic Equipment Insurance covers your business’s electronic devices such as computers, servers, and other essential hardware. This cover protects against damage, theft, or breakdowns, ensuring your business operations remain uninterrupted by technology failures.

Motor Traders Insurance is specifically designed for businesses involved in the motor trade industry, offering cover for vehicles held in stock, customer vehicles, and trade premises. This policy provides comprehensive protection against risks like accidents, theft, and fire, ensuring your motor business operates securely.

Machinery Breakdown Insurance protects your business from the financial impact of equipment failure. Whether it's factory machinery, generators, or production lines, this cover ensures that repairs or replacements are covered, minimizing downtime and financial losses.

Umbrella Liability Insurance provides additional coverage over and above your existing liability policies. This ensures that your business is protected from large or unforeseen claims that exceed your standard policy limits, offering an extra layer of financial protection.

Broad Form Liability Insurance offers expansive protection against various third-party claims, including property damage and personal injury, arising from your business activities. This comprehensive cover is ideal for businesses looking to safeguard against a wide range of potential legal risks.

Employment Practices Liability Insurance protects your business from legal claims related to employment practices, such as wrongful termination, discrimination, or workplace harassment. This insurance ensures that you are covered for legal fees and potential settlements, safeguarding your reputation and finances.

Directors’ and Officers’ Liability Insurance provides financial protection for company directors and officers against claims of mismanagement, breach of duty, or other legal liabilities. This cover is essential for protecting the personal assets of your company’s leadership in case of litigation.