Boost your business insurance for the busy season

Sunny days, spring showers and social outings. That’s what gets South Africans going in Spring. And we like to do it in style. We hit the hairdresser and beauty salon, we schedule coffee dates and dinner dates, we renew gym contracts and start dance lessons, we go from “club duvet” to dancing the night away.

Our calendars are filled with more events from picnics at the park to markets and concerts to weekend getaways. This is great news for small businesses. But it also makes your business more vulnerable to theft and other risks. You need to ask yourself whether you have the correct cover and enough cover. Plus: do you know the benefits of the cover you have? The answers are coming right up, so keep reading!

1. Do I have the correct cover

In addition to standard business cover like business vehicle insurance and cover for business assets, we have developed products specifically for certain industries. Here’s a few of them:

E-hailing: you spend a lot of time on the road, driving people here, there and everywhere. More time on the road = more risk of accidents. And more risk to you and your passengers. That’s why we include accident and hijacking cover.

Hospitality Insurance: businesses big and small, we cover them all! From small BnBs to large event companies, from conference centres to caterers, from holiday resorts to hotel chains. Get everything from buildings and contents cover to hospitality liability cover.

Events Liability: even though you plan your events down to the last detail, things don’t always go as planned. That’s why events liability is so important. It includes cover for medical expenses, legal fees and financial loss resulting from a third-party injury or damage caused at the event.

Public Liability: if you're held legally responsible for causing any injury or damage to a third party or their property, you could enjoy up to R100 million cover.

2. Do I have enough cover?

Knowing what cover you need is just the start - you need to ensure that the amount you are covered for is correct. For example, if your stock levels have changed or you’ve added new equipment, your cover should reflect that. Make sure to get in touch with us to amend these amounts to ensure you remain properly covered.

3. Do you know about all your fantastic benefits?

As a Budget business insurance customer, you automatically benefit from our Biz Assist benefits. We provide expert support for your business, to help it thrive. We offer 12 benefits that range from financial advice to assistance with digital marketing to IT support. To view all the benefits we offer, click here.

So, there you have it, everything you need to know about ensuring that your business is properly covered, and supported, through all seasons. So, don’t delay, get an affordable business insurance quote today! Just click here.