Business Insurance - MiWay Business Insurance

MiWay Business Insurance

 
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MiWay Business Insurance

MiWay is fanatical about delivering an awesome customer experience. MiWay’s major shareholder is Santam, a…

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MiWay Business Insurance

MiWay is fanatical about delivering an awesome customer experience. MiWay’s major shareholder is Santam, a blue-chip JSE-listed company, giving MiWay sufficient financial muscle and credibility to assist to build its unique brand identity.

MiWay Business Insurance:

Business vehicles

MiWay Business Insurance covers any type of vehicles, from cars and bakkies to vans and trucks.

MiWay Business Insurance doesn’t cover vehicles utilised for emergency services, law enforcement, towing, transporting of explosives, fireworks, arms & ammunition, asbestos & asbestos products, chemicals as well as petroleum products or motor racing.

Trailer Insurance is also offered by MiWay. (Trailers need to be insured separately).

What are the benefits of insuring your business vehicles with MiWay?

Change to MiWay Business and get a MiWay Locator Device installed into your business vehicle.

The following additional covers are automatically included and the limits can be increased:

  • Towing and recovery
  • Keys and remotes
  • Roadside assistance

The following covers are included at a flat limit:

  • Emergency repairs
  • Emergency medical costs

What will your business vehicles be covered for?

It is up to you which perils you would like to cover. Your options are as follows:

  • Accidental and intentional damage
  • Theft and hijack
  • Damage to glass
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Third party liability up to a maximum value of R5 000 000

Vans and Truck Insurance

Also known as heavy commercial vehicle cover, MiWay’s insurance cover for your truck includes towing and recovery, lost or damaged keys or remotes, and roadside assistance.

Do you just have one driver? Or do your drivers alternate?

Select the solution to suit your business:

  • Single Regular Driver — a dedicated individual driving the vehicle most frequently in any given monthly period.
  • Multiple Named Drivers — up to five dedicated named individuals who drive the vehicle
  • Pool Driver — anyone with a valid licence, permit and authority may drive the vehicle

Goods in Transit Insurance Cover

Theft or damage to goods in transit can occur at any time because of various circumstances, and you as the owner or transporter of the goods might be left out of pocket.

What are the benefits of taking Goods in Transit Insurance cover with MiWay?

  • You can either link your Goods in Transit cover to a vehicle covered on the same MiWay Business Insurance policy to enjoy a lower premium, or have it on a stand-alone basis.
  • Goods in Transit cover also includes load protection, which might include the appointment of security guards, or moving goods to a place of safety – reasonable measures taken to protect the goods in transit.

MiWay comprehends that your business is unique. It lets you select the type of insurance cover you require. The options are as follows:

  • Accidental and intentional damage
  • Theft and hijack
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Third party liability up to a maximum value of R2 500 000

Business Property

Business Property deals with the environment of the business premises and the pertinent security devices noted at that building. It consists of the following types of cover:

Business Building

With MiWay’s Business Property Insurance, you can select what your business building at your business premises will be covered for.

What are the benefits of insuring your business building with MiWay?

  • Access to Emergency Assistance cover in order to ensure the safety of occupants and to lessen further damage
  • Get cover for loss or damage caused during construction or alteration, which includes cover for building materials, fixtures as well as fittings
  • With Business Property Insurance, you will be covered for loss of water in the event of a valid claim

It is up to you which perils you would like to cover. Your options are as follows:

  • Accidental and intentional damage
  • Impact
  • Theft of or any damage caused by attempted theft of fixtures and fittings
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Geyser and pipes

 

Office Contents Insurance

With MiWay’s Office Contents Insurance, your business is automatically covered for:

  • The refilling of fire extinguishing equipment utilised during a fire at the premises
  • Emergency Assistance – which includes the services of a locksmith, electrician, builder, plumber, glazier, bee keeper and tree feller. Emergency Assistance further includes guard(s) to protect unsecured premises after an insured event to mitigate further loss
  • The replacement fees for lost keys and remotes as well as the replacement of locks.
  • Charges by the fire brigade following a fire

With MiWay’s Business Insurance, you are able to select which perils you would like to cover your office contents against. Your options are as follows:

  • Accidental and intentional damage
  • Impact
  • Theft of or any damage caused by theft or burglaries
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Fire and explosion
  • Geyser and pipes

MiWay Business insurance will also cover the cost of removing any debris, costs to make the site safe, and any professional or municipal costs incurred in the case of a total loss.

Insurance for money

The benefits of taking out Money insurance with MiWay are that MiWay covers:

  • Damage to safes
  • Uninsured personal effects
  • Emergency medical costs

Select these optional covers to extend your policy:

 

  • After trading hours
  • Cash in transit
  • Offsite trading

 

Electronic and Specialised Equipment

The benefits of taking out Money insurance with MiWay are that MiWay covers:

  • Equipment transported away

Select these optional covers to extend your policy:

  • Accidental damage
  • Additional cost of working
  • Incompatibility cover
  • Machinery breakdown
  • Power surges and dips
  • Subsidence and landslip
  • Reinstatement of data/software

Stock

Select these optional covers to extend your policy:

  • Shoplifting cover
  • Accidental
  • Deterioration of stock
  • Power surges and dips
  • Subsidence and landslip

Business Liability Cover

Broadform Liability is a wide form of commercial liability insurance that covers:

  • third party injury and/or
  • property damage

incurred on your premises or as a result of your products or services

 

  • With Broadform Public Liability, cover is provided in connection with the policyholder’s usual business activities
  • Employers’ Liability cover for, or arising out of, injury to any employee from or during the course of employment is automatically included in this cover

Business Personal Accident

Business Personal Accident covers all or several business employees.

Accidental death or injury of an employee in the course of employment is covered under this section and the policyholder is paid the amount as selected.

Based on the type of injury, the policyholder is able to utilise the money paid as compensation for paying the employee or the employee’s family or for hiring a temporary replacement while the employee recovers.

Optional cover can be chosen:

Medical Expenses cover compensates the policyholder in the event that the insured employee is hospitalised to cover the medical costs or to hire a temporary replacement for the employee whilst in hospital. A daily amount is chosen and cash will be paid out in the event of a claim.

Business All Risk

With MiWay’s Business All Risk, items that belong to the policyholder and are usually worn or taken away from the business risk address are covered.

All Risk items are covered

  • for any unintentional loss or damage
  • and are covered globally

All Risk items fall into one of two categories:

Unspecified All Risk – This section covers a variety of items taken out of or away from the business premises that may change from day to day. Therefore, it would be impractical to list them each time cover is necessary.

Specified All Risk – Each item insured under this section is specifically listed.

 

If you want more cover, select from these optional add-on products:

Depending on the items added onto cover, optional add-on cover is available to make certain that you have cover for:

  • Machinery breakdown
  • Reinstatement of data/software
  • Power surges and dips

Body Corporate

MiWay’s Body Corporate insurance offering includes affordable sectional title insurance cover for body corporates with the following benefits:

  • Tailored Sectional Title Insurance – you select the particular section that you want insured
  • Insurance for your structure and all outbuildings
  • A dedicated sectional title admin team for queries and emergencies
  • A 24/7 in-house emergency call centre
  • Emergency home assistance
  • Competitive premiums
  • A free risk survey
  • Damage to the building because of doing alterations and additions to the building
  • Loss of water in the event of a valid claim
  • Home modifications where as a result of a valid claim, the owner or family member of the unit becomes a paraplegic or quadriplegic

MiWay’s sectional title insurance offering includes insurance cover for:

  • Accidental and intentional damage
  • Theft of or any damage caused by attempted theft of fixtures and fittings
  • Fire and explosion
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Geyser and pipes covering loss or damage following the leaking and bursting of geysers and pipes
  • Impact

Plant and machinery cover

Enjoy the following extra covers when insuring your business special purpose vehicle with MiWay.

They are automatically included and the limits can be increased.

  • Towing and recovery
  • Emergency assistance
  • Emergency repairs are included at a flat limit

Yellow metals as well as their accessories must be insured for the current market value and if comprehensively insured, the item will be covered against the following perils:

  • Accidental and intentional damage
  • Theft and hijack
  • Fire and explosion
  • Impact
  • Window glass
  • Acts of nature which include hail, wind, storm, floods, earthquake and lightning
  • Liability to all other parties up to a value of R2 500 000

 

MiBusinessAssist

MiBusinessAssist is a range of carefully chosen services that can assist you with business matters, decrease unnecessary operational costs and give you extra time so you can concentrate on running your company.

 

MiWay contact details:

Address: 48 Sterling Rd,

Kosmosdal, Ext 12

Centurion, 0157

Tel: 0860 64 64 64

Email: [email protected]

Website: www.miway.co.za

 


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