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Business Insurance tailored for you
Expert Biz Assist support for your businessExpert Biz Assist support
Earn Cash Back if you're claim free
Reliable support to keep you moving
4.22 /5 | 24230 Reviews
Flexible cover for your business needs
At Budget, we understand that you face unique daily risks as a professional business owner. That's why we make choosing the right Business Insurance cover easy.
Whether you're an accountant, a doctor, a mechanic, a coffee shop owner or run any sort of business, we've got you covered with flexible business Insurance options. You only pay for the protection you need - nothing more, nothing less. We aim to support your business at every stage so you can focus on what you do best. From safeguarding your office to protecting your equipment, we offer insurance policies to meet your needs. Let us help you find the right Business Insurance solution today!
Biz Assist benefits Included with your policy
Biz Assist is an exclusive benefit included with your Budget Business Insurance policy at no extra cost, offering a range of services to keep your business running smoothly. From property emergencies to IT support and digital growth, these are just a few examples of what's included.
Three reasons to love Budget Business Insurance
24/7 Support
Got a home emergency? Use our 24/7 helpline and get assistance fast. Available to all our customers with a comprehensive plan
Save Money
Keep your business budget in check when you take out affordable business insurance with us. Save more every month when you switch to Budget.
All Businesses Welcome
Your business is in good hands with us. Hundreds of businesses trust us to get the right insurance for their unique operations.
Our customers are delighted
Independent Service Rating Based on 24230 verified reviews. Read all reviews.
Get bucks back with Cash Back Bonus
Get bucks back with Cash Back Bonus
Simply add the optional Cash Back Bonus to your policy, stay claim-free for 2 years and start earning rewards.
What you will get*:
-
15% back of all your premiums paid, over the first two years of claims free, uninterrupted cover
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10% back of all your premiums paid, if you remain claims free uninterrupted cover, for a further two years; and
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10% back of all premiums paid for every claim-free year of uninterrupted insurance, thereafter.
+83 682
customers received their Cash Back Bonuses over the last 5 years
+R212 million
paid out to customers in Cash Back Bonuses over the last 5 years
*Cash back is an optional benefit available at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all Budget customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.
Business insurance tailored to your needs
No matter your business size or industry, a business Insurance policy will provide essential cover and peace of mind. From office-based companies to outdoor construction firms, our Business Insurance plans help protect your operations against risks, ensuring stability and security.
Office Business
Insurance
This is an ideal choice for most businesses within the professional services sector and anyone who operates from an office. At Budget, we offer an affordable Office Insurance package that will suit your needs - no matter how large or small your business is.
Courier & Delivery
Insurance
No matter what delivery business you run, eCommerce, fast food, clothes, electronics etc, we know you're losing money whenever you don't deliver. Our Courier Business Insurance cover ensures your distribution operations stay protected and run smoothly.
Construction Business
Insurance
Architects, tradesmen, project managers, and engineers in the construction industry face distinct risks. We offer coverfor potential risks, such as theft, public liability, , machinery, tools, and equipment damage..
Professional Indemnity
Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Public Liability
Insurance
Designed to safeguard your business from various risks. Whether a customer is injured or a third party's property is damaged at your premises, this cover helps protect you from costly lawsuits.
Director’s and Officer’s Insurance
Protects company leaders from claims arising from business decisions, safeguarding personal assets and ensuring business continuity, stability, and confident leadership in the face of unforeseen legal challenges.
Office Business
Insurance
This is an ideal choice for most businesses within the professional services sector and anyone who operates from an office. At Budget, we offer an affordable Office Insurance package that will suit your needs - no matter how large or small your business is.
Courier & Delivery
Insurance
No matter what delivery business you run, eCommerce, fast food, clothes, electronics etc, we know you're losing money whenever you don't deliver. Our Courier Business Insurance cover ensures your distribution operations stay protected and run smoothly.
Construction Business
Insurance
Architects, tradesmen, project managers, and engineers in the construction industry face distinct risks. We offer coverfor potential risks, such as theft, public liability, , machinery, tools, and equipment damage..
Professional Indemnity
Insurance
Protects against claims of negligence, errors, or omissions. Covers legal costs and compensation, safeguarding professionals like lawyers, accountants, and consultants from financial and reputational risks.
Public Liability
Insurance
Designed to safeguard your business from various risks. Whether a customer is injured or a third party's property is damaged at your premises, this cover helps protect you from costly lawsuits.
Director’s and Officer’s Insurance
Protects company leaders from claims arising from business decisions, safeguarding personal assets and ensuring business continuity, stability, and confident leadership in the face of unforeseen legal challenges.
Frequently Asked Questions
What is Business Insurance?
Business insurance provides financial protection for companies against risks such as property damage, legal claims, employee injuries, business interruption , ensuring business continuity and stability.
What does Business Insurance cover?
Business Insurance covers risks like fire, floods, theft and malicious damage to your assets, protecting businesses from financial losses and operational disruptions.
How much is Business Insurance in South Africa?
The cost of business cover in South Africa varies and will depend on factors like your business type, cover needs, and risk exposures. Request a Business Insurance quote to receive an accurate estimate of your premiums.
Don’t delay, cover your business today
Get a quote nowBudget is a licensed non-life Insurer and Financial Services Provider. Terms and Conditions online.