Commercial Insurance

How we cover your business

No business is without risk, whether you run a small company or large. The key to managing risk is to work with a broker that understands the risks inherent in your sector of business. We offer comprehensive commercial insurance products that provide asset protection, cover against fire and accidents, and motor fleet insurance from leading insurers.

We will discuss this with you in detail as it pertains to your situation, both as a new client, and each year at renewal time. You are welcome to contact us at any time to discuss your policy and the different products available in the market and those recommended by us. Below is a brief description of the cover provided by each policy.

Ask for a Quote now

Contact us on (031) 764 5080 or franco@bottari.co.za to get a competitive quote for comprehensive quality cover that will not leave you in the lurch. Drop in to discuss your needs anytime, we are conveniently located.

Fire & Allied Perils

Covers all assets of the business for loss of or damage caused by an insured peril such as fire, lightning, explosion, storm, tempest, flood, impact by vehicles & or aircraft, malicious damage, earthquake.

Loss of Profits

Following a loss under the Fire policy this covers loss of income to meet standing charges & loss profit of the business.


Theft of property following visible forcible & violent entry into or exit from the premises insured.


Covers loss of or damage to money as selected to insured limits.

Motor Vehicles

Accidental loss of or damage to vehicles if insured comprehensively. If covered for balance of third party fire & theft then the damages caused to third party vehicles is covered and your vehicle is covered only if lost or damaged by fire or if stolen.

Goods in transit

Covers accidental loss or damage & theft or hi jack of goods being moved by road, rail, post or air belonging to insured or for which insured is responsible.


Legal liability resulting in death, bodily injury or illness to third party persons or loss of or damage to third party property arising from the business operations/activities.

Group personal accident

Accidental, violent, external & visible means resulting in death, permanent disability, temporary disability of insured persons/employees of the business.

Accidental damage

Accidental loss of or damage to property belonging to the insured or for which insured is responsible.