At Afric Cover, we understand the unique risks that individuals and businesses face, and we're here to help you find the right insurance solutions to protect your business.
Our process is simple and straightforward – we'll work with you to assess your risks and then provide you with a range of options from our panel of insurers. We're here to find the right cover for you, so you can focus on running the important aspects of your personal life or business.
Get in touch with us today to get a customized quote.
No matter what industry you operate in, we can tailor an insurance solution to fit your specific needs. We've helped businesses in a range of industries, including:
Construction projects are complex and involve many different types of risks. From fires and falls to weather damage and equipment failures, there is a multitude of potential hazards that could result in costly repairs or even personal injury.
We have a range of construction insurance solutions that can be customized to fit your specific needs, including:
We can also help you insure your construction projects against delays, disruptions and other risks with our project delay insurance solution.
If you work in the security industry, then you know that protecting people and property requires a unique set of skills. You also know that accidents can happen, even when you're doing everything right.
Take off the pressure and insure your business with our security insurance solutions, which can include:
A comprehensive security insurance policy can give you the peace of mind that comes with knowing your business is protected.
One of the most important things you can do to protect your property is to insure it against potential risks. From fires, floods to theft and vandalism, there are many ways that your property could be damaged or destroyed.
Our property insurance solutions can be customized to fit your specific needs and can include:
We also help insure properties under construction with our contract works insurance solution.
Running a small or medium and micro-sized enterprise (SMME) can be a big challenge. There are many things to consider, from finding the right location to hiring the right staff.
We understand the unique risks that SMMEs face, and we're here to help you protect your business with our SMME insurance solutions. We can help you insure your business against:
No matter what industry you're in, we can help you find the right insurance solution for your SMME.
Governance comes in many forms and shapes. From national and provincial governments to municipalities and state-owned enterprises, each organization has its own unique set of risks.
We deeply understand the risks that governments face, and we're here to help you manage and transfer those risks. We offer a range of government insurance solutions, including:
We also offer specialist government risk solutions, such as environmental impairment liability insurance.
Handling people's possessions can be a delicate task. Whether you're a furniture mover or a courier service, you need to know that your goods are in safe hands.
We can help you protect your business with our logistics insurance solutions. We can insure your business against:
No matter what type of logistics business you run, we can help you find the right insurance solution.
Like any other business, consultants must insure themselves against potential risks. After all, a successful consulting business is built on relationships – with clients, employees, and suppliers. A simple mistake can cost you dearly in terms of money and reputation.
We understand the risks that consultants face, and we're here to help you protect your business. We offer a range of consulting insurance solutions, including:
If price is your main concern, we offer a range of budget-friendly options.
From fashion designers to food manufacturers, businesses in the manufacturing and retail industries have unique insurance needs.
We can help you insure your business against:
No matter what type of logistics business you run, we can help you find the right insurance solution.
On a personal level, we all face different risks. Whether it's your home, your car or your property, there's always the potential for something to go wrong.
We offer a range of personal insurance solutions to help you protect yourself and your family, including:
We can also help you insure your possessions, such as jewelry, art collection or musical instruments.
There's no one-size-fits-all approach to insurance. The best way to find the right cover for your needs is to compare insurance quotes from a range of providers.
At Afric Cover, we make it easy for you to compare quotes from leading insurance companies in the country. Simply enter a few details about yourself and your insurance requirements, and we'll do the rest.
If you have any questions, our team of insurance experts is on hand to help. Contact us today for more information.
Contractors All risk/ Contract Works Insurance (CAR): A policy that covers your contract works whilst under construction against damage or loss resulting from fire, explosion, water, accidental damage, theft and third party liabilities.
Performance Guarantee/bond: This is an undertaking issued by the bank or insurance company guaranteeing that the contractor will execute the construction project according to the employer’s plans and specifications stated in the contract.
Professional indemnity (P.I): a policy that protects your consulting business against claims from your clients and other third parties for alleged acts of negligence or mistakes in the conduct of your professional duties.
Who needs P.I? Consulting engineers, project managers, Architects, Quantity Surveyors, Financial intermediaries, Medical practitioners etc.
Directors and Officers’ Liability: It is a policy that protects your directors and officers against lawsuits from third parties as a result of wrongful acts or decisions in their capacity as directors and officers. The amended companies act now imposes stringent fudiciary duties on leaders of an organisation which usually forms the basis of legal suits against them in their personal capacity. Directors can be sued by employees for failing to provide PPEs which le3d to them contracting COVID 19.
Trustees Liability: It covers your board of trustees against third party claims arising from wrongful acts, negligence or fraud. For example a body corporate member being sued for misappropriation of levies collected.
Cyber Liability: Protects your organisation against financial losses arising from data breaches in your systems resulting in loss of personal information of your customers. It can also cover losses incurred from hacking, retrieving lost data, restoring bridged systems etc.
Commercial Crime: This protects your business against losses as a result of theft or collusion by employees.
Single Project Professional Indemnity(SPPI): this policy provides professional indemnity protection for the life cycle of a project (design, build, completion), which gives peace of mind to the employer as it avoids claims complications that may result from trying to determine whether it’s the contractor’s or professionals policy that should respond to a claim.
GOODS in Transit (GIT): This policy covers loss or damage to goods whilst in transit over land and sea including the associated loading and offloading.
Personal Lines: House owners: It covers loss or damage to the physical structure of your private residence including fixtures and fittings.
Household Contents: It covers loss or damage to your property in your house.
Vehicle Insurance: It covers loss or damage to your car due to fire, accidents or theft including third party liability.
