Turn on more accessible mode
Turn off more accessible mode
Helpful Tips and Hints
Protect & insure
Pro-Insure Business Insurance
Select Tab here
How to apply
Tab 1 Content
Pro-Insure Business Insurance with PPS STI
You’ve achieved what others only dream about and invested a lot of time and money into your business, so you appreciate its worth. At PPS STI, we understand the hard work, time and effort you put into your business. Our many decades of experience in professional cover, means we can offer you a great deal of insight into the risks faced in your business, and we put this comprehensive knowledge to work in tailoring insurance solutions specifically catering to the needs of your field. We provide cover for your business and insure all your business requirements.
What is Business Insurance?
Covering your assets in any business - large or small, is a necessity to protect your business against the unforeseen perils. Our PPS STI Pro-Insure Business policy not only protects your assets but also safeguards the smooth-running of your enterprise in case of business interruption.
We know that you have studied hard for what you want, whether you’re running a small business or building an empire, the Pro-Insure Business policy reflects our appreciation for, and commitment to exceeding your professional standards. Our experience in working closely with professionals from a diverse array of fields gives us insights as to what combination of options will form the bespoke solution that is best suited to meeting the challenges of your industry.
PPS STI Pro-Insure Business Insurance Unpacked
We protect your assets - from your office contents and equipment, products, accounts receivable including money, and more, with the range of various cover options a Pro-Insure Business Insurance policy offers. Together with a PPS STI client care consultant, we will assist in tailoring the perfect policy to meet your commercial needs and in doing so, safeguard your future.
The Pro-Insure Business range of cover includes amongst others:
Covers you for loss or damage to your business caused by fire and additional perils. This section also covers power surge, architects fees clause, fire extinguishing clause and many more. A fire can devastate any business. From the flames and smoke, to the water used to extinguish the fire, all can severely damage office buildings and their contents. This option covers you against such damages incurred by the fire as well as a number of natural or related disasters such as, lightning, and electricity.
Office Contents Cover
Safeguards the everyday operational assets of your place of business, from stationery and furniture, to your staff’s personal effects, and even the loss of rent. Whether you run your professional enterprise out of an at-home workplace, or a Northern suburbs office park, it is paramount that your everyday operational assets be protected against loss or damage so that the impact an unexpected disaster can have on your business’ income is mitigated.
Business Interruption Cover
Protect against the loss of income that you may suffer as a result of a loss under a material damage section that interrupts the normal business operations. As serious a concern as any other is the sometime necessity of shutting down working operations while damage is repaired or property replaced. Business interruption cover protects your income against this loss when your business suffers damages that are covered by other sections of your policy and which interrupt your company’s normal operational activities.
Buildings Combined Cover
Comprehensive cover for damages caused by fire, explosions, and other hazards that may impact your business building. When insuring your business, it is as important that you remember to cover the place of operations as well as the assets it houses. Buildings Combined Cover is an essential extension to your Business Insurance policy, and protects your place of business against a wide range of potential perils. This cover also extends to the surrounding areas and add-ons of your building such as parking areas and guard houses.
Accounts Receivable Cover
Loss or damage as a result of accident or misfortune to the insured’s books of accounts in consequence whereof the insured are unable to trace the outstanding debit balances. If you own a business that issues credit to customers or clients, then you understand the importance to your bottom line of ensuring that these debts are satisfactorily and timeously paid back in full. Accounts receivable insurance protects your profit margin in the event that the unforeseen happens and your debtors cannot reimburse your company.
Public Liability Cover
Protects against liability in the event of the death, illness, or damaged property of a third party for which your business is held responsible. When you own a business with public-facing elements, there is always the chance that an accident happens and you find yourself being the target of costly lawsuits as a result of unpleasant and unavoidable consequences. With public liability insurance, you are covered against damages or injuries sustained by a third party in connection with your business activities.
Cover the costly expense of internal and external glass, from windows to signage and office skylights. Insuring these glass components of your business premises can save you the disproportionate inconvenience and expense of having to replace them if disaster strikes and damages or destroys all your glass collateral at once.
Cover the loss of money, both in transit and on the premises. Losing money to theft, loss, or even physical destruction can be a difficult pill for the professional’s business to swallow. As the lifeblood of your company, you want to ensure that when money cannot be in the safekeeping of a bank or other institution, you are covered against its loss.
Cover the loss of money and/or property due to theft or fraudulent behaviour on the part of an insured employee. Your employees are a vital part of your business, but their investment in the company is not the same as yours, and you cannot afford to have your profit margins impacted by the unexpected avarice of those who work for you. Fidelity insurance covers you against these losses.
Accidental Damage Cover
Cover against damage or loss incurred as a result of mishaps or acts of negligence engaged in by you or your employees. However comprehensive an insurance policy might be, there are always going to be those events that slip through the cracks and cause unexpected day-to-day damage to, or loss of property against which you have no cover. Many of these unanticipated perils can be insured against with Accidental Damage Cover.
Goods In Transit Cover
Cover against damage to, or the loss of goods in transit, as a result of accidents or misfortune. When your goods are on the move, any number of catastrophes could occur and cause the destruction or loss of your business’ items of value. Since you cannot account for every potential eventuality, especially when moving valuables from one location to another, Goods in transit insurance provides the peace of mind that even if something were to go wrong, the effect on your bottom line will be minimized.
Business All Risk Cover
All Risk Cover protects items that may have to leave your business premises, and covers them against loss or damage sustained, no matter where they are. A professional’s business rarely involves standing still, but how can you guarantee the safety of your company’s portable equipment when you take it with you, out of the office? Your enterprise’s equipment, including laptops, cell phones, specific tools of the trade, etc., are covered when they’re on the move and away from your working premises by Business All Risk insurance.
Electronic Equipment Cover
Compensation for costs loss or damage of electronic equipment. Extended cover includes the reinstatement of data and lost software. In the 21st Century, a business cannot survive without its electronic equipment, but it will often find its operations or bottom line more drastically impacted by a loss of the data or damage to the software contained on that equipment. Cover helps mitigate these risks and allows your business to continue both on and offline.
Loss or damage to all content, as a result of theft and this includes extensions such as damage to buildings, locks and keys extension etc. Taking all of the necessary security precautions you can to eliminate these risks is important, but the fact remains that there is no way to guarantee that your business will never be the target of a burglary or similar incidences of theft. Insurance against theft becomes necessary to mitigate the damage that other people’s greed might otherwise inflict on your bottom line.
Protect your assets and safeguard your future with PPS Short-Term Insurance today.
Tab 1 Content continued
Tab4 Content 4
Become a Member
Why Join PPS?