C&I

We offer insurance solutions across the C&I arena:

Manufacturing – we have a strong focus on risk management to help intermediaries identify risks, minimise potential impact, maximise the opportunity to improve the risk and offer an optimal insurance solution.

Retail – comprehensive product to protect companies’ most valuable assets with fast claims turnaround times to ensure minimum post-loss disruptions.

Commercial buildings – accidental damage, liability and trustees’ liability are only some of the automatic extensions crucial for the commercial property owner.

Motor Fleets – Design the perfect programme for your client with options of aggregates, stop losses and deposit premiums.

Directors & Officers – designed for the private company with a turnover of under R50 000 000 covering the directors and officers management liability exposures.

Conventional insurance product – brokers are now able to offer entrepreneurial businesses and institutions tailor-made packages that will create individual value and offer professional personalised service.

Affinity – for professionals, doctors, dentists, vets and optometrists and is rated on turnover.

Motor Fleet

Our motor fleet product allows us to design the perfect programme for your client with options of aggregates, stop losses and deposit premiums.

Schools

HIC provides broad spectrum protection against risks facing schools, i.e. buildings, contents, theft, computer equipment, management liability, teacher liability, personal accident and emergency response packages.

Hospitality

HIC’s hospitality products are not restricted to one segment of the industry but are designed to cater for various types of establishments including B&Bs, restaurants, golf clubs and conference centres.

Bed & Breakfast

We provide coverage exclusive to B&B establishments and smaller guesthouses with a combined asset value up to R10 000 000 and an annual turnover up to R5 000 000. The establishment should be manager/owner run with a maximum of 16 rooms. Coverage includes property protection costs i.e. temporary repairs including hiring of watchmen, trauma counseling; comprehensive cover on buildings/contents; fatal injury cover of R15 000 for up to two name persons; property owner's liability. As an optional extra we offer prevention of access up to a 50km radius (extended cover available); murder; suicide; pollution; shark attack; contagious disease; food /drink poisoning; summons to appear in court as a witness; cancellation of bookings; loss of liquor license. Guests' personal effects are covered up to R15 000, accidental damage to glass, televisions, audiovisual equipment/computers. All risk cover (including power surge) is available on specified computer equipment. Personal accident and liability cover included. Motor coverage, fidelity, loss of income available.

Restaurants

Seamless

This product includes renovations and alternations to existing structures or the building of new structures within the hospitality industry ONLY – such as B&B establishments, lodges, guesthouses, restaurants, hotels, conference and convention centres, game farms and lodges and timeshare and resorts. The policy is truly seamless and provides cover for the contract works and, following the successful commissioning or handing over of the assets, can be structured to offer all the unique benefits of our commercial products at no additional cost or as an optional extension.

Thatch

We specialise in commercial thatch. HIC surveys every risk prior to inception and makes risk management a top priority.

Tourism

HIC is well known in the tourism industry and we enhance our products regularly to keep up with our client’s needs.

Grassed Sporting

HIC offers comprehensive cover for damage to golf courses, bowling greens and the resulting loss of green fees. We automatically include at no extra cost greens; damage by any vehicle or animal or by falling trees; chemical and fertilizer damager; contaminated water; damage by mechanical equipment; malicious damage and failure of water supply (excluding as a result of drought).