Protect the knowledge, leadership, and relationships your business relies on.
Only one in five South African SMEs have adequate protection against losing their most valuable people, despite clear evidence that such losses can devastate business continuity. The truth is that today's business value often lies in intangible assets: the relationships cultivated over years, the specialised expertise that can't be googled, the strategic vision that guides every decision.
Ironically, the more valuable someone is to your business, the more vulnerable you become to their absence. Key person insurance provides the financial buffer to weather the storm, covering lost profits, recruitment costs, and buying you time to find genuine talent rather than settling for whoever's available.
Safeguard your business from the financial strain that comes when a leading expert is unable to work. This cover helps you maintain cash flow while you replace vital skills and keep the business on track.
Client relationships and supplier networks built over the years don't transfer overnight. Fund the transition period while trust is rebuilt.
Finding exceptional talent can take 6-12 months. The payout means you can wait for the right person rather than rush to fill the gap.
Protect my business
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Contingent Liability Cover
Release of personal guarantor liability
Settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations.
Buy and Sell Agreements
Shareholder buyout certainty
If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company.
Business Overheads Cover
Keep your business going when life pushes pause
They say running a business is like raising a child – it needs constant care and attention to grow. When you’re unable to work due to an illness or injury, we will cover up to 100% of your business’s fixed expenses while you recover.
Contingent Liability Cover
Release of personal guarantor liability
Settles loans taken out by a business where the owner has signed personal surety for the debt. It removes the risk of debt being paid from the signatory’s personal estate and enables continued operating without the burden of loan obligations.
Buy and Sell Agreements
Shareholder buyout certainty
If a shareholder dies or is permanently disabled, Buy and Sell Agreements regulate the purchase of that partners interest in the company – bringing certainty to both the dependents and the remaining shareholders of the company.
Business Overheads Cover
Keep your business going when life pushes pause
They say running a business is like raising a child – it needs constant care and attention to grow. When you’re unable to work due to an illness or injury, we will cover up to 100% of your business’s fixed expenses while you recover.