Insurance for Admin and Support Services
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Why do Admin and Support Services need insurance?
You do a lot of different work for your clients, so let us do the work of getting different quotes from the best insurance companies for you. Bi-me can provide you with multiple competitive quotes from some of South Africa’s leading insurers within minutes.
What should I consider before purchasing insurance for my Admin and Support Services business?
Protecting your business from unexpected events and challenges is where business insurance comes into play – providing cover for your business when you need it most for things like public liability, electronic equipment and your office contents.
Fundamental insurance for Admin and Support Services
Contents
Contents insurance is designed to provide cover for your office contents (tables, chairs, cabinets) when an insured event occurs – such as fire, storm or theft (only limited theft cover, for comprehensive theft cover see the Theft section). Most admin and support service businesses don’t have many machines or much stock, but if you do, those items are also covered here.
Electronic Equipment
Electronic Equipment is relied on by most admin and support service businesses as depend on their electronic equipment to run their businesses: computers, laptops, printers, scanners, and more are all required for a business to successfully run.
These high value items need to be specifically included in your business insurance policy to protect you in case of damage due to flood, fire, snow, hail, wind, impact, explosion, as well as malicious damage, theft and damage caused by power surges or power dips.
Public Liability
Public Liability insurance is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities. This cover does not protect claims for professional indemnity insurance (if you need professional indemnity insurance, please contact us).
Cyber
Cyber Liability is important due to the number of cyber attacks against businesses which have increased a lot over the past few years with hackers demanding hundreds of thousands of rands for the safe return of confidential information. Think about the data you are storing and what the implications would be if there was a breach of confidentiality because of your system being hacked. This cover also helps to protect you from claims and supports your profitability in the event of a cyber breach or attack.
Regularly selected insurance for Admin and Support Services
Buildings
Accidental damage covers loss from unexpected and unforeseen physical loss of or damage to business property at your premises; can also include damage caused by discharge or leakage of chemicals, oils, liquids, fluids, gases or fumes which can cause severe damage to your business.
Employee Dishonesty
Business Interruption is important for the continuity in the accommodation industry. What happens if your building gets damaged and you cannot accommodate guests for a prolonged period of time? This type of insurance covers for financial loss as a result of an interruption to your business caused by an insured event (such as fire).
There is also an option to be covered if you are prevented from accessing your premises.
Theft
There are many possible accidents that could happen in an accommodation-providing environment. This cover is designed to provide protection for you and your business in the event that a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent business activities.
Personal injury claims could arise from a guest tripping over a small step, a guest slipping on a wet floor, or a heavy item falling on your guest.
Getting the right insurance for Admin and Support Services
Your admin and support services business is unique, having its own insurance needs and risks. Bi-me gives you access to multiple quotes to compare with some of South Africa’s top insurers, so you can choose the right cover to suit your business.
Our friendly team is only a phone call or a few clicks away to assist with getting your business covered in minutes.
Did you know?
If you are renting your business’s premises, part of your commercial lease may require that you to take out glass cover.
Could this happen to my business?
Theft at an ad agency
Armed robbers entered an advertising agency’s premises and stole all of the laptops, cell phones and TV screens. The insurance company paid out R180 000 and the agency was able to start functioning fully again.
Friendly fire
A neighbouring office of a bookkeeper had a fire which spread to the offices of the insured. The furniture was damaged and the rented building was no longer usable for 3 months. Thankfully, the employees were able to work from home (although they would have been covered by Business Interruption). The insurance company paid R90 000 for the damaged furniture as well as the increase in the costs of the employees who were temporarily working from home.