PROTECT YOUR BUSINESS, REPUTATION AND FUTURE
Your business is distinct and so are your risks. Trust Indwe to provide expert solutions for all your business insurance and financial needs.
Business Insurance
At Indwe, we provide insurance cover from reputable South African insurers to suit your individual business needs. By focusing on the specific requirements of your business, we provide relevant risk and financial solutions and deliver a superior insurance experience. Trust Indwe for sound advice and to be your claim management experts in the event that you need to make a claim. With Indwe at your side, you can protect your business against the unexpected.
Your assets are vital to your business, your daily operations and your success. Prepare for the unexpected and safeguard the continuity of your business by ensuring that this valuable aspect of your business is protected.
Buildings
The buildings you own or are responsible to insure in terms of your lease are exposed to daily risks. Protect them from loss or damage caused by unexpected events such as fire, lightning, explosion, earthquake, storm, wind, water and hail.
Contents
Protect your business from loss or damage to contents, including landlord fixtures and fittings, and the property you are responsible for in your office premises. Cover excludes documents and electronic data processing equipment.
Electronic equipment
With this insurance your business is covered for physical loss or damage cause to your electronic equipment in any part of your business premises, while in transit and while temporarily removed from your building.
Stock and raw materials
The stock and raw materials at your business premises are fundamental to the continuity of your operations. Protect your business from loss or damage caused by lightning, explosion, earthquake, storm, wind, water and hail.
Plant and machinery
This insurance helps you prepare for the unexpected by covering you for loss or damage to plant, machinery and all other contents contained on your business premises.
Vehicles and fleets
Safeguard your vehicles, motorcycles and trailers that are at risk of theft, hijacking and accidental damage. Further protect your business from liability for damages to third-party vehicles or injury to third parties in the event of an accident.
Money
Protect your business from the loss of or damage to cash and negotiable instruments on your premises or in transit, as a result of theft or a hold-up.
Business interruption
Business interruption will cover the loss of gross profit, gross rentals or revenue when your normal business operations are interrupted in a disaster situation, resulting in a reduction in turnover and an increase in the cost of working.
Goods in transit
Get cover for loss or damage to goods that occurs during the course of transit. This can cover the movement of goods both locally and cross-border.
When you have unique risk exposure, you need specialist insurance cover. Get an insurance solution tailored to your niche activities or specific requirements and ensure the future success of your business.
Group personal accident
As a business you can provide cover for your most important assets – your employees. This insurance covers death or bodily injury that can result in permanent or temporary disability, which is caused by accidental, violent, external and visible means.
Emergency protection
ResQ1 is a roadside protection service that is supported by teams of highly trained officers who are able to professionally handle emergency situations. ResQ1 is a nationwide service and operates 24/7.
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Business travel
Protect business travellers against unforeseen costs such as delayed flights, lost luggage, unexpected cancellation costs, emergency medical expenses, hospitalisation cover and hospital bills payable in foreign currencies.
Kidnap and ransom
Our kidnap and ransom products provide access to expert crisis management services to minimise the negative effects of these difficult events. Cover can include reimbursement of ransom monies, rewards payable for information, and travel costs to return victims.
Construction and engineering
This cover is tailored to meet the specific requirements of each project and typically includes protection against demolition risk, building erection risk, lateral support, machinery breakdown, advanced loss of profits and third-party liability, as well as performance guarantees.
Aviation
Get insurance that covers physical damage to an aircraft and legal liability arising out of ownership and operation. Specific policies cover aircraft hull all risks, aircraft hull war risks, third-party legal liability and/or passenger legal liability, excess insurance and aircraft owners and operator’s liability.
Agriculture
Just like other businesses, farmers need cover against loss or damage to their assets and crops by fire and weather-related risks. Cover available includes: theft, livestock, machinery breakdown, business interruption, assets, money, and crop insurance.
Commercial crime
With commercial crime insurance your business is protected from financial losses related to business-related crime, and it includes theft by employees, forgery, robbery, and electronic crime.
In an increasingly litigious world, take the necessary steps to protect yourself and your business against the potential severe consequences of financial loss as a result of malpractice, errors and negligence.
General liabilities
With general liability insurance you are covered for claims where your business caused accidental death, bodily injury or property damage.
Directors and Officers
With D&O liability insurance the personal assets of directors and officers, and that of the company itself, are protected in the event they are personally sued for actual or alleged wrongful acts in managing that company.
Cyber liability
Protect your business against internet-based risks with cyber liability. This covers financial losses from data breaches, business interruption, cyber extortion, cybercrime and third-party liability following a cyber breach.
Professional indemnity
Anyone who offers services or advice in a specialised field could be held accountable if they are alleged to have provided inadequate advice, services or designs. Professional indemnity provides protection against financial loss as a result of legal liability to a third party.
Product liability
Your business can be held legally liable for placing defective products that you made or sold - into the hands of a consumer. This cover excludes the cost of recalling defective products.
BUSINESS & EMPLOYEE SOLUTIONS
Our partner, Indwe BlueStar, offers a range of business solutions that ensure the financial well-being of your business, despite life’s uncertainties. These include employee benefits, key man insurance, business debt insurance, business risk solutions, retirement options and business banking assistance.
Indwe BlueStar is an authorised Financial Services Provider in life insurance (FSP 6832).
Download a summary of our Business Insurance services here
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