Category Archives: Articles

The importance of property damage insurance for your business

As a commercial or small business owner, you may be held liable for various things, but one of the most costly Property insurance in South Africa is property damage.

What is property loss or damage?

Property loss or damage can refer to various things other than bricks and mortar buildings and structures. To begin, property in business insurance terms relates to anything that belongs to the business, like stock, furniture, machinery and money stored on your premises. However, any Electronic Equipment, Money or Goods in Transit would require specific insurance to be covered in terms of a business policy.

Finally, if you are the owner of a property, damage to the actual structure of the property can have serious legal and financial consequences in terms of loss of income from the property or legal liability arising from the ownership of the building. Covers such as Business Interruption and Public Liability is available to business owners (building owner or a tenant) to mitigate the potential risks to business continuity.

Commercial property damage and property Insurance South Africa

Commercial property owners in South Africa must be well informed when purchasing property insurance to avoid being underinsured during a claim. In addition, buyers frequently obtain property insurance through their bank or bond originator for the original bond value rather than the actual replacement value. As a result, it is critical to properly value a property once it has been purchased and continue to value it.

The second common commercial property insurance pitfall is that landlords underestimate the replacement value of additional fixtures and fittings other than the bricks and mortar building. For example, depending on your structure, you may need to reinstall elevators and escalators, air-conditioning systems, paving, carports, electric fencing, geysers, gate motors, CCTV systems, generators.

Why go undercover?

Undercover Insurance Brokers has an extensive track record of service excellence, thanks to the quality services delivered by our diverse team of highly experienced and skilled insurance experts.

We work closely with our clients to provide comprehensive property and business insurance that meets their specific needs and challenges.

Our extensive range of specialised business insurance products is executed by our team with a diverse and specialised skill set to apply the best solutions that suit the needs of our customers with professionalism, expert advice, transparency, and trust.

At Undercover Insurance Brokers, we carefully study consumer preferences to cater for our clients’ specific needs and preferences. As a result, we can provide affordable business insurance products

at the best price and assist with developing small and medium-sized businesses based on analysis of real estate markets, transport, tourism, automotive markets, etc. This allows us to provide business insurance products according to the needs of each product offering.

Contact Undercover Insurance for details

As a business insurance specialist in Johannesburg, Undercover Insurance Brokers has an extensive track record of service excellence. If you want to know more about our various business insurance products, please get in touch with one of our representatives

Personal insurance and adverse weather events

South Africans are often challenged by extreme weather conditions, including hailstorms and heavy rains that can cause flooding and extensive property damage. If you’re living in one of the areas prone to extreme weather, these tips may help you reduce risks associated with property or personal injuries during these extreme weather events. Personal insurance for… Continue Reading

What does liability insurance cover?

Short-term insurance covers the loss of a specific item or against a particular event over time. Long-term insurance, on the other hand, generally refers to ensuring the life of a person. Short-term insurance is flexible and can be changed as your circumstances do. Liability insurance can cover the cost of losses you cause unintentionally or… Continue Reading

What is short-term insurance?

Short-term insurance offers the reassurance that your possessions are always safe without being tied to life-long commitments. What is covered by short-term insurance? Short-term insurance covers the loss of a specific item or against a particular event over time. Long-term insurance, on the other hand, generally refers to ensuring the life of a person. Short-term… Continue Reading

Understanding engineering insurance

The construction and engineering sectors have become increasingly aware of the risks associated with insufficient engineering insurance. If you’re not familiar with engineering insurance, we’re here to unpack what it is, what products are available, and who to trust for comprehensive cover. What is engineering insurance? The engineering sector is highly specialised and a significant… Continue Reading


Personal insurance cover is an important factor of life, albeit one that people generally don’t want to actively think about. But ensuring that you are protected in the event of unfortunate circumstances like theft, damage, accidents, and personal liability are considerations that you need to be prepared for. Fortunately, there are numerous insurance solutions out… Continue Reading


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