AS Brokers · Business Insurance
Business Short-Term Insurance
Protecting the Businesses That Create South Africa's Wealth
From stock and machinery to public liability, employers' liability, and business interruption, commercial short-term cover is how operating companies survive fires, thefts, liability claims, and supply shocks. AS Brokers (FSP 17273) structures programmes around how your actual business earns and loses money - not generic templates.
FSP 17273 · Independent advice
How commercial short-term cover fits together
Policies are contracts: they list insured events, exclusions, sub-limits, and conditions. Material facts must be disclosed to insurers before inception and at renewal; non-disclosure can void cover or reduce claims. We help you document turnover, processes, security, and occupancy so underwriting matches reality.
Business interruption (BI) typically needs a clear link to material damage and defined indemnity periods; getting the gross profit or revenue definition wrong is a common source of disappointment at claim stage. We spend time on that link, not only on the fire section.
What we typically arrange
- · Buildings, plant, machinery, and electronic equipment
- · Stock (including seasonal peaks and transit where needed)
- · Business interruption and increased cost of working
- · Public liability, products liability, and professional indemnity where the trade requires it
- · Employers' liability / compensation exposure (per scheme rules and products available)
- · Money, fidelity, and crime-type extensions where relevant
- · Goods in transit, own damage, and fleet programmes
- · Contract works, plant hire, and industry-specific extensions
- · Cyber and electronic risks (scope and exclusions vary widely - we match you to wording you can explain to your board)
Availability depends on insurer and occupation class. We do not guarantee acceptance or premium.
Risk first, insurance second
We start with a simple question set: What stops revenue? What capex would you need to replace in 90 days? Which contracts or regulators impose insurance obligations? That frames priorities before comparing quotes. A large share of our practice sits in business short-term - we treat it as core engineering, not a side product.
For owner-managed businesses, we often coordinate with business life structures (key person, buy-and-sell, surety) so personal and balance-sheet risks do not contradict each other.
Regulatory note
Information on this page is educational and not a substitute for advice tailored to your business. Premiums, deductibles, and claim outcomes depend on insurer terms and the facts of each loss. AS Brokers CC (FSP 17273) acts as intermediary where products are placed with licensed insurers. See FAIS disclosure.