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OUTsurance’s insurance products are affordable, straightforward and there are no hidden surprises. OUTsurance’s short-term insurance…
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OUTsurance’s insurance products are affordable, straightforward and there are no hidden surprises. OUTsurance’s short-term insurance clients pay a fixed excess amount, regardless of the value of their claim. Their premiums are fixed for a full 12 months.
Find out about OUTsurance Business Insurance below.
Talk to any of OUTsurance’s business insurance consultants and they will inform you that OUTsurance is all about supplying you with the best business insurance package possible.
OUTsurance comprehends that there will not always be visible signs of forced or violent entry when your business is at risk of shoplifting incidents. OUTsurance has designed optional shoplifting cover to protect you during normal business hours, should such an unlucky event happen.
A crucial concern associated for businesses selling fresh produce, whether it is a butcher or a restaurant, is the loss of refrigerated stock. Deterioration of stock cover can be added to your facility. Cover the deterioration of your refrigerated stock.
Renting out of stock cover is there to protect your valued items when they are in the possession of your customers. Renting out of stock is available as an optional cover, which begins as soon as your item leaves your premises and ends when these items have been returned.
If you are anxious about customers or guests leaving without paying their bills, this optional cover will stop your worrying. If you choose bilking cover, you are able to nominate an amount you feel will cover you comfortably, should an incident like this happen.
If you own a guesthouse, hotel or game lodge, it might occur that you’ll be held liable for theft or damages to your guests’ or visitors’ personal property at your premises. Property of guest cover is an optional cover especially designed for you to cover the uninsured property of your guests and visitors.
Should you be unable to access your property because of an incident that happened within a 10km radius from your premises, OUTsurance will be there to help you by paying for loss of rent up to a specified limit.
As an OUTsurance client, you automatically have access to OUTsurance’s FREE Help@OUT emergency office and roadside assistance service. Phone 08 600 80 000 any time of the day or night, OUTsurance is ready to help.
In the event where it is necessary for you to extinguish or fight a fire, OUTsurance won’t leave you out of pocket. OUTsurance will pick up the bill for any reasonable costs that relate to the extinguishing or fighting of fire.
Fire, theft and accidental damage
Cover your buildings, contents and stock against damage or loss due to fire, theft or accidental damage. Additional covers including cover for power surges, deterioration of stock and renting out of stock are also available. OUTsurance also gives you peace of mind by automatically adjusting your stock value in the months you specify, should your business be subject to seasonality – hassle-free.
All risk cover
This provides you with worldwide cover for any business items you take or utilise outside the office. These include items such as laptops, cell phones, catering equipment, geological equipment used by a land surveyor, medical equipment or even items such as concrete mixers or chainsaws.
Electronic equipment
This cover option is ideal for any electronic equipment item that you want to insure against loss or damage at your premises. Cover is also provided in cases where it is necessary for you to transport items from your premises to another place for cleaning, renovation or repair.
Business interruption
Should your business suffer financial losses because of damages that happened at your premises and your business can’t operate as normal, OUTsurance realises that you might suffer financial losses due to a reduction in turnover or revenue. You might also struggle to pay monthly bills, employee salaries as well as expenses to keep your business afloat.
Talk to one of OUTsurance’s expert business advisors to design the ideal business interruption package to cater for the unique needs of your business.
Goods-in-transit
This cover helps businesses that will have to transport goods from one premises to another. This cover option is available as stand-alone cover and additional cover for when it is necessary for you to transport goods outside the borders of South Africa is also available.
Machinery breakdown
This covers mechanical, electrical or electronic breakdown. If you are anxious about the cost of repairing one of your key machines after a breakdown happens, machinery breakdown will stop your worry. Whether the breakdown is because of a lack of skill, faults at the workshop or in erection or a physical explosion of a machine component, machinery breakdown will supply the cover you require.
Other products
Make certain that you ask OUTsurance’s business advisors about office contents and buildings combined cover, and cover for glass, money as well as fidelity (employee dishonesty).
OUTsurance contact details:
Address: 1241 Embankment Rd
Zwartkop Ext 7, Centurion
South Africa
0157
Tel: +2712 673 3000
Email: [email protected]
Website: www.outsurance.co.za
