Insizwe Private Brokers LTD provides its clients with comprehensive and tailored protection. No matter what sector you work or what product you’re after, we can help protect you and your assets. We tailor all kinds of policies to suit any business model. We can source the most suitable policies based on your budget and premium funding options, customize the policies further where necessary, then negotiate the best terms for you and secure the right cover.

Motor Classes
I. Comprehensive

This covers loss or damage to your vehicle insured and/ or liability to third parties for bodily injury, death
and property damage.

ii. Road Traffic Act (RTA)

This covers legal liability to third party bodily injury and death excluding property damage.

iii. Third Party

This covers legal liability to third party bodily injury, death and property damage excluding damages caused to the insured vehicle(s).
iv. Third Party Fire & Theft

This covers loss of or damage to your vehicles resulting from fire and theft only and or legal liability to third parties for bodily injury, death and property damage.

v. Motor Traders – Internal and External

This covers motor vehicles which are in custody or care of motor traders against:

– Accidental/ fine damage to the vehicle
– Liability to third parties
– Theft of vehicle

Fire Classes

I. Asset All Risks

This covers loss or damage from any cause not excluded to all tangible property or assets of every description owned by the insured or for which they are responsible. It is suitable for big corporate
entities.

ii. Fire and Allied Perls

This covers damage to the whole or part of the property owned by the insured or for which they are responsible, including alterations by the insured or tenants to the buildings and structures by for and allied perils.

iii. Fire Loss of Profits

This provides against loss of profits due to a reduction in turnover and an increase in the cost of working arising from an interruption of or interference with the business carried on by the insured at the premises.

iv. House Holders

Covers loss or damage to household contents

v. House Owners

Covers loss or damage to the private dwelling.

vi. Office Comprehensive

This covers loss or damage to the office contents, the property of the insured or for which they are responsible;e, including landlords pictures and fittings.

Accident & Miscellaneous Classes
I. Burglary

This policy covers loss or damage to the property contained in buildings of standard construction, following forcible and violent entry or exit. It is most useful to owners of shops, grocery stores,
warehouses and other business premises where goods of any description are kept.

ii. Money

This covers loss or damage to money belonging to the insured or for which they are responsible or which they are in care, custody, and control of the insured in transit or at the premises of the insured due to robbery or hold up.

iii. Fidelity Guarantee

This covers loss of money and/ or other property belonging to the insured or for which they are responsible, stolen by an employee of the insured. It covers direct financial loss sustained by the insured as a result of fraud or dishonesty of the employee which results in dishiest personal; financial gain for the employee concerned.

iv. Employee Liability

This covers your legal liability as an employer for death, bodily injury or disease caused during the period of insurance to an employee arising out of the course of his employment and within the territorial limits.

v. Public Liability

This covers damages which the insured shall become legally liable to pay consequent upon: Accidental death of or bodily injury to or illness on any person or accidental loss of or physical damage to tangible property which occurred in the course of or in connection with the business.

vi. Group Personal Accident

This covers bodily injury/ death resulting solely and directly from accident caused by outward violent and visible means which shall directly and independently of any other causes result within twelve calendar months in bodily injury/ death.

vii. All Risks

This covers loss of or damage to the whole or part of the property while anywhere in the world by any accident or misfortune not otherwise excluded.

vii. This cover the liability of the transporter from the time the goods are in his custody to the time of delivery.
viii. Glass

This covers loss of or damage to the internal and external glass (including mirrors), sign writing and treatment thereon at the insured premises, the property of the insured or for which they are responsible.

ix. Professional Indemnity

This will indemnify you (as the insurer) against your legal liability for the damages and claimants’ costs and expenses in respect of claims for the breach of professional duty, first made against you by reason of any neglect, error or omission and occurring or committing in good faith and in connection with the conduct of the practice.

Credit Life
Our range of credit insurance products is comprehensive and flexible, giving you the right mix of coverage, features, and benefits to suit your needs. The following are the solutions offered:

  • Vehicle loan
  • Mortgage loan
  • Personal loans
  • Business loan protection

Agriculture Insurance

Our agriculture insurance covers insurance services that protect against financial losses faced by farmers due to various risks encountered in their farming activities.
Regardless of whether you have a small family farm or the largest commercial operation, we have the know-how and products to meet your specific needs. We negotiate competitively priced programs for all types of farms and agribusinesses.

Meet all your INSURANCE needs in one basket:

  • Crop Insurance
  • Livestock insurance
  • Motor Insurance
  • Machinery Breakdown/ Cold Rooms/ Deterioration of Stock
  • Plant Insurance
  • Public Liability Insurance
  • Fire cover
  • Group Personal Accident Insurance
  • Burglary Cover Insurance
  • Employers Liability/ Director & Officers Insurance
  • Goods in Transit Insurance
  • Professional Indemnity Insurance