We Offer Wide Spread General Insurance as well as Niche Products


With our wide variety of Blue Chip Insurers and specialised niche underwriters, we will be able to find and provide you with the correct cover for your business.



- General Commercial policies - for Shops, Manufacturers, Professional Services, Churches and Charities and many more...

- Hospitality - Designed for anyone in the hospitality Industry, Hotels, AirBNB, Motels ETC.

- Education - Specific cover designed for any school, creche and after care service.

- Transport - Logistics companies (Long and Short Haul), Goods in Transit, Marine and Fleets.

- Engineering - Cover for plant, machinery and yellow equipment. We can also offer the liabilities (contractors all risks and guarantees).

- Restaurants- Specialised cover for anyone in the food industry

- Driving Schools - We can cover you, your vehicles and the liabilities


See below for more information on the various products.

General commercial policy

Sometimes it does not pay to re-invent the wheel. That is why ACT Brokers does offer general commercial policies with all the sections that your standard small to medium business would require. These policies are for your shops, professional practices such as doctors or accountants, manufacturing companies such as baker or bottling plant and churches.

 

That being said even our general policies do come with quite a few added benefits automatically included to ensure our clients have extra cover when needed. We also understand that not all businesses can afford insurance for every eventuality and that is why we have the added benefits at no extra cost so the client has some cover even if it is limited.


These policies also come with an extensive list of sections to cover your business.

Hospitality industry

This product was designed for the hospitality industry which includes but not limited to:

  • Guest houses and lodges
  • Small to medium hotels
  • Game lodges and golf courses
  • Conference centres, Spas and wedding venues

With some key benefits on the policy, it is made to ensure your day to day insurance needs are taken care of as well as risks that are a bit out of the ordinary to standard insurance.

  • Damage to Landscaped gardens, water features
  • Guest property
  • Contents of fridges and freezers as well as leakage of alcohol and beverages
  • Infections disease
  • and many more.

There are also various optional extras that can be selected such as liabilities and passenger liability or event cancellation and loss of specified tourist attraction.

Educational policy

The School insurance policy was designed to cover the needs of registered educational institutions.

  • Public Schools
  • Pre-primary and Creches
  • Church schools
  • Educational institutions

This policy has a vast amount of automatic extensions included as well as trauma counseling and business interruption following a theft.

 

There is also an additional product that can be taken in conjunction or standalone for assistance in the event of an emergency.

This offers a panic button for staff and guaranteed admission into hospital and capped medical cover regardless if the learner has medical aid or not

ENGINEERING

With the many different aspects of engineering policies, The insurers have split these up and all are offered by ACT Brokers.

General Engineering which focuses on the construction industry whether it is domestic or commercial enterprises.

 

Plant all Risks  was designed to cater for clients using their own or hired out plant and machinery / yellow equipment. With the general cover in place there is also additional key benefits such as plant in transit, third party road risk cover and loss of hire fees and excess buy downs.

 

Contractors all Risks is created to cover the full range of civil and construction and engineering risks. As no two contracts are the same, the policy will be tailor made for the specific contractual needs of the client.

TRANSPORT AND LOGISTICS


Whether you are an owner driver or have a large fleet, this is the policy for you. We can cover the vehicles for comprehensive use as well as the goods on an all risk basis together with wreckage removal and clean up following an incident. 


The many additional and key benefits are sure to make this policy unique.

 

  • No excess on windscreen when using approved replacement process.
  • Excess waivers on the vehicles as well as the goods in transit.
  • Repatriation from across border with increased limits available Roadside assistance and towing costs for heavy vehicles.

RESTAURANTS


In this day and age, we know the many new risks that restaurants are facing, from supplier problems to bilking issues. This product has all your needs catered for:


Contents of fridges and freezers

No basic excess under material damage sections

Guest property following armed robbery

Franchise fee cover

Bilking cover

Theft cover for staff and guests property

Food Poisoning extension

Bomb scare cover

Fidelity cover

Products liability

Machinery Breakdown