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.
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.
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.
LIABILITY
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.
THEFT
Theft of property following visible forcible & violent
entry into or exit from the premises insured.
MONEY
Covers loss of or damage to money as
selected to insured limits.
ACCIDENTAL DAMAGE
Accidental loss of or damage to property belonging
to the insured or for which insured is responsible.
LOSS OF PROFITS
Following a loss under the Fire policy this covers
loss of income to meet standing charges & loss
profit of the business.
GROUP PERSONAL ACCIDENT
Accidental, violent, external & visible means
resulting in death, permanent disability,
temporary disability of insured
persons/employees of the business.
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.
Bryte Insurance Company Limited is the premier,
proactive commercial risk specialist in Southern
Africa. Applying our unparalleled sector insights,
proven expertise and foresight, we partner with
customers and brokers to protect their businesses
and improve their risk profile across the continent.
Rest insured, whether you have personal, corporate,
commercial, agricultural or even more specialised
needs, our custom-made yellow umbrella will give you
the peace of mind you could only expect from the
leader in the short-term insurance industry.
As an insurance group, we pride ourselves in offering
life insurance, car and funeral insurance as well as a
variety of other policies for business and personal
purposes. Our expert team is on hand to help you find
a tailor-made, affordable solution that is exactly what
you're looking for.
Old Mutual Insure is the oldest short-term insurer in
South Africa with a history that dates back more than
180 years. As one of the leading players in southern
Africa’s short-term insurance landscape, they are
justifiably proud of their tradition of service and
quality, as well as their range of products.
CIA is an award-winning building insurance
underwriting management company.Having set the
benchmark for innovative insurance solutions and
exceptional service since 1999, we have maintained
our market leadership through ongoing research and
development of new products, cover and benefits.
OLD MUTUAL INSURE
HOLLARD INSURANCE
CIA INSURANCE
SANTAM INSURANCE
BRYTE INSURANCE
KEY INSURERS WE PARTNER WITH
These days there are many different ways to buy
insurance, but there are important reasons to
consider using an insurance broker's expertise to
help you make the best informed decisions.
Brokers provide expert, unbiased advice on your
individual insurance needs. Unlike other providers
who are focused on only selling what they can
offer, with a broker your interests come first.
At Franco Bottari & Associates, we know the
market and negotiate with different insurance
providers to make sure you get the best deal,
domestic or commercial. That means the most
affordable but also most reliable and
comprehensive cover to suit your requirements.
No back doors, no dodgy deals. We have
partnered with leading insurers in the market to
provide the best priced, most comprehensive
insurance solutions to you.
We use only the latest technology available leaving
behind outdated radio frequency vehicle tracking. We
may not have invented vehicle tracking we just
perfected it, making vehicle tracking simple. Star Trac
Vehicle Tracking is designed for tracking vehicle and
recovery of fleets, equipment, people and containers.
In South Africa, TRACKER has been operational since
October 1996. The company enjoys strong financial
backing and has invested millions in establishing its
own network and providing the police with the
technology to fight vehicle crime. Tracker also has its
own recovery teams based all over South Africa.
Altech Netstar pioneered the stolen vehicle tracking
and recovery industry in SA in 1994, and is the market
leader in terms of size, product range, and an
unsurpassed private recovery infrastructure. Owned by
the JSE listed Altech Group, Altech Netstar employs
over 500 people.
Matrix has put together the necessary resources and
infrastructure to deliver meaningful 'value added'
solutions to its customer base. Matrix boasts the
highest stolen vehicle recovery rate in the industry,
and has a staff compliment of more than three
hundred highly skilled professionals.
Ongoing innovation keeps Bidtrack at the cutting edge
of vehicle tracking and recovery, and fleet
management. Our systems are street smart and
security is paramount. Bidtrack boasts an annual
stolen vehicle recovery value exceeding R45 million,
and fleet management systems.
MATRIX VEHICLE TRACKING
ALTECH NETSTAR VEHICLE TRACKING
BIDTRACK (BANDIT) VEHICLE TRACKING
TRACKER VEHICLE TRACKING
STAR TRAC
VEHICLE TRACKING
Most Insurers require that the following vehicle
categories are fitted with tracking systems.
These do vary from time to time and with
different Insurers, so please check with us, the
Brokers, as to what your requirement is.
•
Private Cars, 4x4 Type, Sports -
exceeding R300 000 in value
•
Light Delivery Vehicles, Kombi Type, Panel
Vans - exceeding R200 000 in value
•
Heavy Commercial Vehicles -
exceeding R200 000
PG Glass is the leader in the Southern African
automotive and building glass industry, with over 120
fitment centres across the region. Our repair and
replacement experts use only the most trusted glass
products: Shatterprufe, SmartGlass and the highest-
quality float glass.
More than 10 years experience, a keen eye for detail
and a passion for customer satisfaction ensures
you are always left with a smile after working with
DGC Glass.
We have over 120 fitment centres located throughout
Southern Africa, including Botswana & Namibia. At all
our fitment centres you will find trained technicians,
highly skilled in the art of repairing and replacing
motor, residential and commercial glass and related
products.
GLASFIT
DGC GLASS
PG GLASS
GLASS & AUTO GLASS FITTERS
In the event that your windscreen or any glass in
your home or business is damaged, please give
us a call or see our claims section for the
procedure. Please be advised that in cases where
the damage to the windscreen is small say the
size of a ten cent coin, known as ''Bulls Eye'',
where a crack has not yet run, invariably, these
can be repaired very successfully without
removing or replacing the windscreen. Such
repairs are excess free thus saving you the cost
of the excess payable to the fitter/supplier. Have
such damage assessed by the fitters
immediately as delaying can result in the damage
spreading and then the windscreen will need to
be replaced.
These are the recommended
fitters/suppliers by Insurers.
DOMESTIC INSURANCE
How we cover your personal risk
Domestic or personal insurance refers to
insurance for your car, your home, the contents
of your home, your personal effects and
belongings, computers, recreation vehicles
(caravans, trailers, boats) and personal liability.
We offer you the correct cover at the best pricing
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
LIABILITY INSURANCE
Legal liability to third party persons resulting in
accidental death, bodily injury or illness or
accidental loss of or damage to third party property.
ALL RISK INSURANCE
This covers all accidental damage, loss or theft
of items if specified and cover extends
worldwide.
COMPUTERS
Covered for accidental loss of or damage &
theft and breakdown of the equipment or
parts thereof such as motherboard, hard
drives, monitors. Not covered for wear & tear.
HOUSEHOLD CONTENTS INSURANCE
Similar to Homeowners but covers all movable
contents of the home including personal clothing,
linen and curtains, loose rugs, books etc.
Garages & outbuildings. TV's, sound systems &
glass, are in certain policies, covered for
accidental damage.
HOME BUILDERS INSURANCE
Covers loss or damage to the buildings of the
home and includes all permanent fixtures such
as built in cupboards, sanitary ware, light fittings,
gates & fences, driveways, aerials & satellite
dishes caused by any of the insured perils such
as fire, lightning, storm, burst pipes and impact
by vehicles or aircraft, earthquake, malicious
damage & theft.
MOTOR VEHICLES INSURANCE
Loss of or damage to your insured vehicle if
covered comprehensively. If insured for balance
of third party fire and theft this covers damage
caused to third party vehicle and your vehicle
is covered if loss or damaged by fire or theft of
the vehicle only.
BOATS & SMALL CRAFT INSURANCE
Covered for accidental loss of or damage & theft.
CARAVANS & TRAILERS INSURANCE
Accidental Loss of or damage to these items
insured & theft of, if covered comprehensively.
In this ever-advancing digital age, cyber-
insurance has become a necessity. For cover
from as little as R15 per month, click to download
the brochure to get more information
CYBER INSURANCE
Vet bills can run into thousands. Ensure your
whole family is covered for unforeseen incidents.
Click to download the brochure to get more
information.
PET INSURANCE
Earn rewards every time you fill up at a Shell garage.
The rewards are converted into an FNB e-wallet and
you can draw the cash at any FNB ATM. Simply link
the rewards card supplied, on the website, and
starting earning your cash-back! Click to download
the brochure to get more information.
FUEL REWARDS
CYBER COVER, PET INSURANCE,
AND FUEL REWARDS
FBA is excited to introduce three new
insurance products to you:
Partnering with exceptional specialist brokers for over
35 years, we’re continually evolving to provide sought-
after non-life insurance to suit the lifestyle of the
discerning individual.
MUA
Lombard Insurance Company Limited provides world-
class trade and commercial insurance products to
support your business' sustainable growth.
LOMBARD
ONE ia a dynamic financial services group providing
insurance, technology, and risk management services
to the insurance market. Backed by the security of its
parent company, Old Mutual, Level 1 (B-BBEE)
contributor.
ONESURE
National Glass is a leader in the South African Glass
distribution and processing arena supplying the
domestic, industrial and commercial markets. National
Glass distributes Float Glass, Patterned Glass, Mirrors
and Safety Glass from our warehouses and factories
strategically situated across South Africa.
NATIONAL GLASS
Franco Bottari & Associates is an Authorised Financial Service Provider.
We can assist you with all classes of short-term insurance,
commercial and domestic.
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