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Insurance for Businesses

Get Business Insurance tailored to your specific business needs

Reliable and affordable Business Insurance

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Get a Cash Back Bonus

 

Simply add the Cash Back Bonus to your Budget Insurance policy and if you remain claim free for two years, we’ll reward you by giving you money back.

Why insure your business with Budget

 

Affordable Insurance

 

 

Keep your business budget in check when you take out affordable Business Insurance with us.

 

Biz Assist Benefits

 

 

We automatically include Biz Assist with your cover, giving you 24/7 online and telephonic support.

 

Specialised Cover

 


We provide commercial insurance to a number of specialised industries, including medical, tradesman, and professional.

 

All Businesses Welcome

 


We cater to hundreds of business types, giving each what they need according to their budgets.

 

What is business insurance?

 

You put everything you have into making your business a success. But one wrong decision or unfortunate event can wipe out your cash reserves and leave you bankrupt. Business insurance is there to protect you against the many risks that come with running a business.

 

Whether it’s your machinery breaking, your tools getting stolen, water damage in your shop, or an unexpected lawsuit. Business insurance in South Africa will cover the costs, while business interruption insurance will bridge the financial gap when you temporarily can’t operate.

 

Budget Business Insurance

 

At Budget Insurance, we know that your business is unique and that it requires cover that speaks directly to those needs. This is why, when you get Budget Business Insurance, you get to choose the specific type of cover your business needs. It doesn’t matter if you’re an accountant, a doctor, a mechanic, or anything in between; with us, you only pay for what you need.

 

We offer specialised Business Insurance in South Africa. This includes Office Business Insurance, Professional Business Insurance, Tradesman Business Insurance, Medical Business Insurance, General Business Insurance, Guesthouse, and Bed & Breakfast Business Insurance, Professional Indemnity Insurance, Directors & Officers Insurance, and Business Vehicle Insurance. Just like your business, our cover is unique to you. 

Tailored Insurance Solutions

 

We offer tailored insurance solutions for all types of businesses. You get to choose the cover that suits your industry rather than having a one-size-fits-all plan. We’ll help you figure out just what you need (and don’t need) so you’re covered, while still staying in budget.

 

Our tailored solutions include cover for risks like fire, accounts receivable, glass, business legal matters, group personal accident, all risk, machinery breakdown, business interruption, fidelity guarantee, and so much more.

General Business Insurance

 

Perfect for retailers, florists, hair and beauty salons, coffee shops, funeral parlours, and bookstores, our General Business Insurance provides a wide range of cover for numerous eventualities.

 

Get cover for your business building, accidental damage to and theft of your business goods, public liability, damaged fixed glass on your premises, and so much more. From broken shop windows and damaged equipment to lost deliveries and stolen stock, Budget will cover the costs.


 

Professional Business Insurance

 

At Budget, we understand that professional business owners like architects, lawyers, accountants, and engineers face unique risks, which is why we offer specialised Professional Business Insurance.

 

We cover you for a range of risks that you might face on a daily basis such as accounts receivable compensation if your financial records are lost or destroyed, fire damage to your machinery, tools, and equipment, theft of your business goods, and public liability. 

 

Medical Business Insurance

 

We understand that the contents of your business are essential to being able to provide the best care for your patients. This is why our Medical Business Insurance covers your valuable equipment, machinery, tools, fixtures and fittings, office furniture, stock, and materials against fire damage.

Other Tailored Business Insurance offerings

Frequently Asked Questions

How long is the waiting period for Business Insurance?

At Budget, we don’t have any waiting periods for our Business Insurance. Your business faces numerous risks every day, so we want you to have complete cover and peace of mind from the moment you take out Commercial Insurance with us. Whether you are covering your business assets, your motor vehicle, or your business itself with public liability insurance, you’re covered from the very start.

How long before I get my payout after claiming?

This depends on the nature of your claim and on how quickly we get all the documents we need from you. For claims for physical assets, such as your business vehicle or operating equipment, we aim to pay out within 48 hours once the claim has been approved. For public liability claims, the costs can be ongoing, in which case, we will pay out as your claims come in. Ultimately, we want you to get back to business-as-usual as quickly as possible, and we’re sure you do too!

Can I insure more than one business?

You can insure as many businesses as you need to with us. However, they will each need their own separate policies. That’s because every business has its own unique needs and we tailor our Business Insurance to suit these needs. For example, one business might have a fleet of vehicles that need cover while the other only provides online services. But rest assured that no matter how different or similar your businesses may be, there’s an affordable Business Insurance solution for all of them.

Am I allowed to upgrade or downgrade my cover?

All businesses grow and change – that’s the nature of running a successful enterprise. That means your commercial insurance should grow and change with it. What good is cover that gets left behind while your business streaks ahead? With Budget, you can upgrade or downgrade your cover as needed. So whether you’re expanding your operations at the speed of light or you’re going through a slow patch and need to scale back, we can adjust your cover as you need.

Which business assets will be excluded from my cover?

It’s not so much which assets will be excluded from your cover but rather the risks that they face.

For example, while we cover your office contents for a range of risks – from theft to accidental damage – we don’t cover them for malicious damage or if an item has a faulty design.

We cover you for money stolen, but not if it was not contained in a locked safe while the business premises were empty.

Some items are only covered if you specify them in your policy, such as laptops, tools, and cellphones you carry with you regularly. Also, if these are left in an unlocked car, for instance, you won’t be covered.

 

Biz Assist

 

We offer you access to a database of professional advisors, mentors, and specialists who are experts in key business areas. Get financial advice for a range of money matters, help in growing your digital presence, and remote assistance with your IT and tech issues. You even get your own virtual personal assistant to help with important business arrangements.

 

*Please note:

  • Perfect for start-ups and established businesses.
  • Biz Assist offers 24/7 online and telephonic support.

More about business insurance

Courier & Delivery

 

Clients need their packages yesterday, customers want their food now, drivers are always rushing to the next location, and support staff needs to know what’s going on at all times.

 

Read more

Business Concierge

 

As one of the many benefits under our Biz Assist umbrella, this service is included in all our Business Insurance policies except for Specified Insurance.

 

Read more

Cash Back Bonus

 

Add a Cash Back Bonus to your policy for a small additional monthly fee and get a cash boost in two years' time. All you have to do is stay claim-free.

 

Read more

Ready to Budget?

Get Covered Today.

Affordable Tailored Business Insurance