GOVRISK Business Insurance

We offer cover from top insurers and provide personal support

GOVRISK Business Insurance

Protect your assets. Manage your risk. Build with confidence.
GOVRISK partners with South Africa’s leading insurers to provide tailored business insurance solutions that protect your operations, assets, people, and reputation from financial loss and disruption.
Whether you run a small practice or a large enterprise, we help ensure your business is covered — so you can focus on what matters most.

What Can Be Covered

We offer business-specific insurance across a wide range of industries. Our solutions are structured around the key components of a Short-Term Commercial Insurance Policy, with options to add specialist covers based on your needs.

Core Cover Sections Under a Business Insurance Policy

Cover Section	What Can Be Covered
Accidental Damage	Sudden, unforeseen loss or damage not otherwise excluded
Buildings Combined	Damage to owned buildings due to fire, storm, impact, or malicious acts
Business Interruption	Lost income and operating expenses after an insured event
Commercial Crime	Theft or fraud by external parties or collusion with employees
Directors & Officers Liability	Legal costs and claims against company directors and officers
Electronic Equipment	Computers, servers, medical or technical devices
Employers Liability	Claims by employees for injury not covered by COID
Fidelity Guarantee	Theft or fraud committed by employees
Fire	Fire, lightning, and explosion damage to insured property
Glass	Breakage of internal and external business glass
Goods in Transit	Damage or loss of goods while transported
Group Personal Accident	Accidental death or injury cover for employees
Kidnap & Ransom	Costs related to kidnapping, ransom, and extortion response services
Machinery Breakdown	Sudden mechanical failure of insured plant or machinery
Money	Loss of business cash on-site or in transit
Motor (Fleet/Commercial Vehicles)	Company-owned vehicles used for business purposes
Office Contents	Fixtures, fittings, stock, and equipment inside the business premises
Products Liability	Injury or property damage caused by your products
Professional Indemnity	Legal claims from professional negligence or breach of duty
Public Liability	Third-party injury or property damage due to business activities
SASRIA	Losses from riots, strikes, protest action, and public disorder
Theft	Loss or damage due to burglary or attempted theft

Quote Request Form

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