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The Easiest Way to Insure Your Business

A digital-first business insurance platform made for SMMEs brought to you by Pogir and Bi-me
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We Have Got a New Partner!

We’ve partnered with The Pogir Group, a trusted brokerage with over 55 years of experience in business insurance, healthcare, employee benefits, and financial planning. This collaboration combines Bi-me’s fully digital platform—offering instant, tailored business insurance quotes—with Pogir’s expertise in personalised service. Together, we’re making business insurance more accessible, efficient, and designed to meet the unique needs of South African businesses.

Professional Indemnity Insurance

Professional Indemnity Insurance is essential for professionals who provide advice or services, such as consultants, architects, lawyers, and IT experts. It offers protection against financial losses arising from claims of negligence, errors, or omissions in the course of your professional duties. This coverage is particularly crucial in regulated industries like healthcare and finance. Whether you're selling expertise, offering advisory services, or delivering designs and specifications, Professional Indemnity Insurance helps safeguard your business against potential legal and financial repercussions. Our platform provides coverage options for hundreds of occupations, ensuring you find the protection suited to your profession.
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Public Liability Insurance

Public Liability Insurance protects businesses from claims resulting from injury or property damage caused during the course of their work. It’s vital for any business that interacts with the public—whether on-site, at clients’ premises, or in shared spaces. This insurance can also extend to cover Product Liability and Defective Workmanship, offering broader protection against unforeseen incidents. It helps ensure financial stability and peace of mind, allowing you to focus on running your business without the worry of unexpected legal costs.
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Medical Malpractice Insurance

Medical Malpractice Insurance protects healthcare professionals from legal claims arising from mistakes, misdiagnosis, or negligence in the course of treating patients. It covers legal costs, settlements, and damages, helping to safeguard your reputation and finances. This insurance is essential for doctors, nurses, therapists, and other medical practitioners. Whether you run a private practice or work in a clinic, Medical Malpractice Insurance gives you peace of mind and allows you to focus on patient care.
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Contractors All Risk Insurance

Contractors All Risk Insurance is essential for anyone involved in construction projects, including builders, contractors, and developers. It covers accidental damage to the project, materials, and equipment, as well as third-party injury or property damage. This insurance helps protect against delays and unexpected costs caused by theft, fire, weather, or on-site accidents. Whether you’re managing a small renovation or a large build, Contractors All Risk Insurance helps keep your project on track and your business protected.
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Cyber Liability Insurance

Cyber Liability Insurance protects businesses from financial losses caused by cyberattacks, data breaches, and other digital threats. It covers the cost of data recovery, legal fees, customer notifications, and damage to your reputation. This insurance is essential for any business that stores sensitive information or relies on technology. Whether you're a small business or a growing enterprise, Cyber Liability Insurance helps you manage digital risks and recover quickly from cyber incidents.

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Event Liability Insurance

Event Liability Insurance protects event organisers, hosts, and venue operators from financial losses caused by accidents, injuries, or property damage during events. It’s essential for weddings, conferences, festivals, and private functions—any situation where people gather. This cover helps with legal costs, third-party claims, and venue requirements. Optional benefits may include protection for defamation, wrongful arrest, and legal defense. Whether you're planning a one-time event or manage events regularly, this insurance offers peace of mind and essential risk management.
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Comprehensive Business Insurance

Cyber Liability Insurance protects businesses from financial losses caused by cyberattacks, data breaches, and other digital threats. It covers the cost of data recovery, legal fees, customer notifications, and damage to your reputation. This insurance is essential for any business that stores sensitive information or relies on technology. Whether you're a small business or a growing enterprise, Cyber Liability Insurance helps you manage digital risks and recover quickly from cyber incidents.

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