Man sitting at desk with laptop explaining Bi-me and business insurance

Small Business Insurance: Cover for Everyone

Bi-me business insurance covers small businesses and start-ups the way most insurance companies don’t. For us, no policy is too small.

With our simplified online process, you can immediately compare and buy the insurance that will fit your business like a glove. This article will cover how we have simplified the drawn-out complicated process with our instant-online quotations, our 24/7 availability on our digital platform, and why your small business matters to us.

Who we are: Bi-me and our commitment to cover small businesses

Bi-me, an abbreviation for Business Insurance Made Easy, is an insure-tech that aims to sell insurance to small businesses using a fully digital journey. Our mission is to help all SMEs (small and medium-sized enterprises) – including those that don’t currently have access to insurance – by simplifying the complicated process of buying business insurance.

We’re fiercely committed to the small business community, whether it’s to get a better deal or to assist with a claim. Tieing back to one of our core values that ‘no policy is too small for us’ and we’ll go the extra mile for everyone.

Bi-me has already partnered with three reputable insurance companies. We aim to support and provide for the hundreds of thousands of SMEs in South Africa.

How Bi-me aims to provide insurance cover for all SMEs

Concerned by the roundabout way most insurance brokers handle SMEs, Bi-me has created a streamlined online insurance solution. Our process reduces the cost, brings you price transparency, and increases efficiency in finding the right solution.

Bi-me boldly challenged the insurance market with our online service, to simplify comparing and buying business insurance from some of South Africa’s leading insurers. Offering multiple quotes, so that small businesses can choose what best suits their needs.

Most small business owners don’t have a lot of time to lose or waste, and we have designed our system with those needs close in mind. We provide an extensive range of tools to assist you in the online journey, including calculators to work out your required level of protection and relevant information for your business (based on businesses similar to yours).

Insurance coverage: Online and personal from the comfort of your home

Our digital journey makes insurance brokerage simple by creating an efficient digital-first solution for buying insurance. You can get instant online quotes available 24/7 – for purchasing insurance, making changes to your policy, or getting documents. Our website is mobile-friendly, so you can even add cover while on the move.

For those who would like a person to help them through the journey, we have a helpful and willing team ready to talk with you.

‘Business insurance simplified’ – our effortless online business insurance process lets you get everything done from the comfort of your home or office, in a simple and easy-to-understand way.

The hurdles business owners face when looking for business insurance

Most brokers and insurers are only operational during business hours, also known as the hours entrepreneurs and SMEs are most busy.

With complicated and drawn-out processes, it’s hard to imagine small business owners have the time to deal with all the moving pieces. Finding the right insurance deal that works for your budget is no easy feat.

Most brokers are highly hesitant and not interested in insuring small businesses because the time spent servicing them is not worth the premium that they receive.

Bi-me provides solutions for finding the right insurance – “Your small business is our big business”

We cover more than 4 000 occupations and have a wide range of products for professional liability insurance that can be tailored to your business needs.

Covering many types of business insurance, such as:

  • Electronic Equipment
  • Goods in Transit
  • Machinery Breakdown
  • Theft
  • Employer’s Liability
  • Personal Accident
  • Accidental damage
  • And more

You won’t have to wait for a broker’s schedule during valuable business hours. With Bi-me and our digital-first solutions, you can organize and complete the entire process online. All you have to do is answer a few questions, and get multiple quotes in seconds.

If you have to make a claim on your policy, Bi-me is there to make the process as simple as possible. Our claims team will navigate the process for you, freeing your hands to manage your business. We’ll follow up with your insurer and keep you updated with all the details on your claim progress.

Our self-service portal also allows you to download your Certificate of Currency, update your payment details, amend your cover, and download your policy documents.

Small business insurance with Bi-me proves that you don’t need to be a large powerful organization to
afford the necessity of insured security.