KEM provides Insurance Broking and Risk Advisory Services to Corporate and Commercial enterprises.
Fire
You can insure your business against damage to property (buildings, plant and machinery, and stock, etc.) by fire, lightning and explosion, as well as allied perils (such as an earthquake, storm, wind, water, hail and snow, and impact by an aircraft or vehicle)
Buildings (combined)
If your business owns buildings, you can insure them against damage by fire, lightning and explosion, as well as allied perils (such as an earthquake, storm, wind, water, hail and snow, and impact by an aircraft or vehicle). This cover can also be extended to cover losses caused by theft of internal fixtures and fittings after forcible and violent entry. It also covers legal liability to third parties arising from the ownership of the property
Business interruption
In the event of damage to the property caused by certain prescribed insured events, you, as the business owner, may not be able to generate income at the same level as prior to the loss. We can provide cover for the proportionate loss of net profit and fixed costs that prevent, reduce or interrupt trade or business at the insured premises.
Theft
This covers loss of or damage to contents as a result of theft following a forcible and violent entry into a building on your premises.
Office contents
This covers the loss of or damage to office contents (excluding electronic data-processing equipment) by fire, lightning and explosion, as well as allied perils (such as an earthquake, storm, wind, water, hail and snow, and impact by an aircraft or vehicle). It can be extended to cover theft by forcible and violent entry, loss of documents, and legal liability to third parties arising from the loss of such documents
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Money
As a business owner, you are bound to keep money on your premises or transport it from time to time. We provide cover for the loss of or damage to money on the premises and while in transit to or from the bank.
- Loss of or damage to money containers
- Loss of locks or keys
Glass
The accidental breakage of glass in windows or doors is inconvenient and leaves your business property exposed. You therefore need to ensure you are covered against this risk. Our solution includes cover for external and internal glass, as well as building signage.
- Damage to shop fronts, frames and window displays
- Burglar alarm strips
- The employment of a watchman service
Goods in transit
Goods can often be damaged or stolen while being transported, which is why we cover you against this risk
- Limited (Fire, explosion, collision, overturning of the vehicle)
- Theft following a fire, explosion, collision or overturning of the vehicle
- Hijacking of the vehicle
- Theft of the vehicle
- Theft
- All risks
Business all risks
This provides comprehensive cover for the loss of or damage to specified equipment, on and off your premises. This cover is essential if you are a professional photographer, for example, who travels extensively with equipment. This solution provides the option to insure items worldwide – in any building, or in a specific building only.
Accidental damage
It is difficult to think of everything that can impact your business. Sometimes, extraordinary events occur for which there is no insurance anywhere in a policy, such as the collapse of shelving. Accidental damage provides cover for these unusual events (provided they are not insurable under another cover in the policy).
Fidelity insurance (theft by employees)
Although you take great care in appointing a qualified and ethical workforce, employees may still commit fraud or theft. Our cover includes compensation for financial loss due to theft of money or stock by an employee or employees.
Public liability
This covers your legal liabilities for property damage or bodily injury to third parties arising from your insured business. This can be extended to include liability for any products you have supplied, manufactured or repaired, as well as defective workmanship, excluding the actual item worked on or provided. This does not include product recall and product guarantee.
Employer’s liability
This is a form of contingent cover for business employees who are not provided for by the Workmen’s Compensation Act. It covers any legal liability you may have for injury to employees arising in the course of your business.
Umbrella liability
This provides cover on an excess of loss, difference in conditions and additional risks basis for any underlying legal liability insurance you already have in place (with Santam only).
Group personal accident cover (individuals and employees)
This cover protects your employees by providing you with compensation for any accidental bodily injury suffered by an employee. Standard cover is for death, permanent disability, temporary total disablement, and limited medical expenses.
Vehicles
This covers your motor vehicle for own damage and/or third-party liability and/or passenger liability. Vehicles are insured on an individual basis. The basis can be comprehensive cover, which provides protection against all risks, which means the vehicle is covered for any occurrence except for the exclusions contained in the policy wording. Alternatively, in exchange for a lower premium, the basis of cover can be reduced to third-party liability, fire and theft only, or further reduced to third-party liability cover only
Electronic equipment
Computers and other electronic equipment are an integral part of your business and therefore need to be properly insured against damage or loss.
WE OFFER COVER FOR THE FOLLOWING:
- The replacement and repair of hardware
- Architects’ and other professionals’ fees
- The clearing of debris
- Erecting hoardings to protect your business property
- The cost of express delivery and overtime