SHORT-TERM INSURANCE – COMMERCIAL LINES

We have partnered with proven, reputable and trusted product suppliers to ensure that our clients receive the very best and most relevant insurance products, all backed and serviced by the most reliable and efficient support resources. Our staff undergo continuous training and development regarding the giving of advice and rendering intermediary services.

Business Policy

You can protect the future of your business by getting the right insurance policy to cover it against any unforeseen event. Understanding what kind of insurance, you need is just the beginning of securing the future of your business. Whether you own a small business or run a large corporation, we have a thorough understanding of the specific risks associated with your business and provide cover that is tailored to your needs.

• Buildings (Combined)
• Fire
• Business interruption
• Theft
• Office contents
• Money
• Glass
• Goods in transit
• Business all risks
• Accidental damage
• Fidelity insurance (Theft by employees)
• Public liability
• Personal accident cover (Individuals and employees)
• Vehicles
• Electronic equipment
• Machinery breakdown
• Deterioration of stock > Property and office contents > Fire and Theft

Engineering Policy

o We have contracted with the leading engineering underwriting manager in Africa, with unrivalled experience and expertise in the engineering insurance industry. We offer flexible, structured and packaged products at competitive rates. Our services include risk management surveys and specialised intermediary training.

Cyber Security Insurance Policy

Our comprehensive cyber insurance policy can be tailored to your requirements and is designed to cover the resultant costs and damages from a privacy breach or a network security breach. Cyber insurance policy covers what has previously been uninsurable providing comprehensive first and third-party coverages with an expert incident response process.

Far broader than the name cyber would imply, our policy extends to cover numerous incidents including but not limited to:

• Cyber extortion and malware (viruses, ransomware, or publishing of stolen data).
• Denial of service (disruption to operations).
• Downstream attack (a compromise of your environment resulting in damages to others).
• Hacking.
• Insider and privilege misuse (unauthorised access and use of systems and data by employees and service providers).
• Physical theft and loss (both devices and physical hard copy data).
• Threats posed by third party access into a client environment.

Car and Taxi Policy

We have contracted with some of the leading insurers that offer a wide range of covers in the public transport sector (Sedan vehicle used for e-Hailing, Shuttle Services, Metered Taxi’s, Mini and Midi Buses insurance). As well, as tailor made insurance products for the Emerging Business market

Insurance for the Tourism Industry

Local and International holidaymakers and tourists visit holiday resorts, guesthouses, game farms in South Africa across the various seasons. They bring their valuables along and are exposed to all sorts of risks when visiting these places. Our insurance solutions will ensure complete peace of mind for the visitor and tourism industry.

Aviation Policy

We have products to ensure that your aircraft is comprehensively and appropriately covered. Our partners have extensive experience and expertise making sure that every aspect of the risk is correctly evaluated and adequately covered.

Financial Lines And Crime Policy

We have partnered with the best to protect directors and senior officers against unintended business mistakes. As a company director or officer, when things go wrong there is so much more than simply your position on the line. The Companies Act imposes personal liability for breach of duty, which means anyone can sue a company director or officer in their personal capacity for actual or alleged breach of fiduciary duties.

Actual or alleged breaches of employment practices may result in legal fees, damages awards and settlements which can severely strain a company’s financial resources including the reputational damage that a company may face. We have a policy to ensure that your business is covered in the unfortunate event of an employment practices violation.
o In the event of any actual or alleged wrongful acts, negligence and fraud by an officer of the Trust or Fund, Trustee liability insurance provides cover for the legal liability and/or direct financial loss suffered.

Drone Insurance Policy

Drone Insurance covers loss, damage and liability related to the drone itself, as well as premises, hangar keepers and product liability. Drone Insurance cover is available throughout South Africa and is suitable for any sector of the economy.

Agriculture and Crop Policy

Unforeseen events like heavy rain, hail, runaway fires and drought can have a catastrophic impact on client’s business and that is why we have partnered with the best to provide relevant cover for such eventuality.

Entertainment, Sports and Events Policy

Reputation and financial survival are two cornerstones in any eventing, recreational, entertainment or exhibition business. What can take years to build can instantaneously be demolished or cripple your growth for years to come. We have cover to protect clients against this type eventuality.

Prize indemnity insurance will assist clients to deal with contractual liability, one that’s usually way beyond client’s budget. This specialised insurance, whether it is a competition based on skill or pure probability, make sure the odds are always in your favour with a cover by the market leaders.

Schemes and Binders Policy

At iTOO our experts can structure cover to specifically suit you and your industry needs. By working together with your professional association or body we take the time to fully understand your unique risks and possible liabilities. Our specialists can structure a Scheme, a Binder or an Outsourced agreement to provide those members where risks are homogeneous, processes consistent and you our brokers are able to manage the underwriting functions from start to finish. iTOO Schemes, Binders or Outsourced agreements means access to the best expert cover, tailored to your industry and associations requirements and needs.

Trade Credit & Bonds Policy

We provide the service of issuing a project bond or guarantee to the beneficiary (employer, owner or creditor) of a project to cover the financial loss arising from the contractor (principal debtor) defaulting on his contractual obligations.

We issue both insurance and bank guarantees on behalf of our clients, directly or through an intermediary. We specialise in creating feasible and more economical alternatives to traditional bank guarantees which are demanded by most employers in foreign markets.

Real Estate Policy

We offer innovative products and services to meet the needs of the collective property schemes industry (sectional title / homeowners association / retirement villages), which cater for the residential and commercial real estate markets. We also offer specialised insurance solutions for the broader real estate industry, including property developers.

ENQUIRE WITH US

Thank you for visiting us. Please send us an enquiry and we will come back to you as soon as possible.

As our customers are at the centre of everything we do, we strive to provide expedient customer service to all our queries and suggestions.

Our Partners

By collaborating with South Africa’s leading insurance partners, we give you access to the latest financial services support. This allows us to provide specialist products and services for all personal and commercial needs.

Our Motto

The elevator to success is achieved through the provision of unparallel, personalised and consistent quality service to clients.

Mission Statement

To create an organization that consistently deliver on its promise to its clients, employee and shareholder.

Why Choose Us

• We are reliable and trustworthy.
• Our client needs are paramount to all that we do.
• Our Teams are well equipped, ready and willing to serve.

Address

985 Casa De Campo Street, Copperleaf Golf and Country Estate, Centurion, 0157.

Contacts

Email: info@vulindlelafs.co.za
Phone: +27 87 702 9710

Links

About us
Our Services
Our Policies