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Business Insurance
Reliable cover to keep your business moving forward.
What is Business Insurance?
As a business owner, safeguarding your enterprise against unforeseen risks is not just a precaution, it’s a necessity. Business insurance is a vital financial safety net, protecting your company from the costly impact of accidents, errors, and unexpected events that could otherwise disrupt operations or threaten your financial stability.
At Auto and General, we understand the dedication and effort you invest in building your business. That’s why we provide reliable, high-quality commercial insurance designed to keep your business resilient in the face of challenges. Whether it’s property damage, public liability claims, equipment or vehicle breakdowns, our comprehensive cover options ensure you’re protected when it matters most.
Our tailored solutions are designed to meet your business unique needs, giving you peace of mind while we manage the risks. Protect your business today.
Business insurance backed by experience
With decades of insurance experience, Auto and General offers business insurance built around the risks businesses face every day.
Proven expertise
Decades of expertise behind insurance for your business.
Tailored insurance
Insurance shaped around your operations, assets and risks.
Specialist support
Specialist guidance for your business insurance decisions.
Flexible insurance
Flexible insurance designed to adapt as your business grows.
Business Insurance for the Way You Work
Explore cover for your vehicles, assets, responsibilities and day-to-day operations.
Business Car Insurance
Cover for business vehicles against accidental damage, theft and third-party claims.
Hospitality Insurance
Cover for hospitality businesses, including property, equipment, liability and lost income.
Body Corporate Insurance
Cover for sectional title buildings, common property, liability and trustee responsibilities.
Business Assets Insurance
Cover for business buildings, equipment, stock and tools against insured loss or damage.
A&G Advisory
Practical business guidance and professional advice to help you make informed decisions.
Business Car Warranty
Cover for listed mechanical and electrical breakdowns affecting eligible business vehicles.
Business support beyond insurance
Biz Assist gives you practical business support, from workplace emergencies and IT issues to tenders, collections and financial guidance.
Medical Support
Medical support for emergencies at your workplace.
Office Support
Urgent help with plumbing and electrical problems.
IT Help Support
Remote support for IT setup and technical issues.
Digital Support
Support for websites, branding and online marketing.
Debt Collection
Expert help to recover unpaid customer invoices.
Credit Reports
Credit information to support financial decisions.
Tender Alerts
Proactive alerts about new business tenders.
Money Guidance
Phone guidance on key business finance matters.
We stand by our promises
If we don’t live up to them, we’ll pay you R1000 [1]
Insured right
We’re there to see you’re insured right.
With A&G, you will always speak to a knowledgeable and experienced insurance advisor to insure you right.
Service Right
We’re there to see you’re serviced right.
Rely on A&G for 24/7 emergency services and 24/7 access to your policy and documents.
Settled Right
We’re there to see you’re settled right.
We give you a dedicated claims consultant and pay approved claims immediately.
We’re tried & trusted.
The compliments that prove our commitment. Claim after claim.
“Prompt service and speedy feedback after submitting my claim” With permission from our customer. This does not constitute financial advice.
Mr. Sinden
“The claims experience was very efficient on the app, thank you Elizma!” With permission from our customer. This does not constitute financial advice.
Jacques
Average Customer Rating:
4.50/5
“The service was quick, efficient and well conducted” With permission from our customer. This does not constitute financial advice.
Bennett, Benjiman Roberts
“Great service and straight to the point with assistance regarding my reason for the call. With permission from our customer. This does not constitute financial advice.”
Aobakwe
“Very helpful and informative agents. Got comprehensive cover within a few minutes of the call.” With permission from our customer. This does not constitute financial advice.
Ms. Ndaba
Rapid fire support when every second counts
Fire Assist gives qualifying businesses direct access to emergency firefighting support at or near their insured premises [2] .
Rapid Response
Rapid action to help contain and extinguish fires.
Expert Fire Team
Trained fire teams ready to respond in an emergency.
On-Site Support
Firefighting support at or near your insured premises.
Repeat Call-Outs
No limit on call-outs at the insured business address.
Get Cash back for your Business
Add the optional Cash Back Bonus to your A&G Insurance policy [3] to and get rewarded for:
Claim-Free for Four Years
Remaining claim-free for four uninterrupted years.
Get a Pay-Out
Receive either your entire first year’s premiums or up to 25% of all premiums paid over four years, whichever is less.
+32 492
Customers received their Cash Back Bonus
+R260 mil
Paid over the last 5 years
Specialist Liability Cover
Explore cover designed for the legal and financial risks that can arise from professional services, management decisions and interactions with third parties.
Events Liability Insurance
Cover for event organisers against third-party injury, property damage and related claims.
Professional Indemnity Insurance
Cover for claims arising from professional errors, omissions or negligent services.
Directors and Officers Liability
Cover for certain claims made against directors and officers for management decisions.
Public Liability Insurance
Cover for third-party injury or property damage linked to your business operations.
Business Insurance Help & Documents
Quick access to useful business insurance documents and claims information.
Our answers to, your FAQs.
Our experienced advisors answer your most frequently asked questions.
Commercial business insurance protects your company from financial losses due to accidents, damages, legal claims, or other unforeseen events. It helps ensure business continuity by covering potential risks.
If you are a serial entrepreneur, you can insure all of your businesses with us. Because we have so many years of experience under our belt, we can find a tailor-made Business Insurance solution for just about any business you may need to cover. Each business will fall under its own insurance policy, because they will all have their own unique needs.
If you're a serial entrepreneur, you can insure all your businesses with us. With years of experience under our belt, we can tailor a Business Insurance solution to suit just about any business you need to cover.
If your businesses operate under the same type, you can insure them under a single policy with multiple addresses. However, if they are different types of businesses, each will require its own policy to ensure the right coverage for its unique needs.
The right coverage depends on your industry, business size, location, and specific risks. A risk assessment with an insurance provider can help tailor a policy to your business needs.
Biz Assist is a benefit that you get access to for the duration of your Auto and General Business Insurance policy, at no extra cost.
Rely on our experience
Get a tailored Business Insurance quote today
[1] These are uncertain times. But in these times, you can rely on the promises Auto and General makes:
To be there for you when you need us to give you convenience and peace of mind. To do things right the first time. To share our knowledge and expertise. And ultimately, in a world full of uncertainty, we promise certainty. In a world full of unpredictability, we promise reliability. This is our promise to you.
[2] Fire Assist is included in Business Assist for qualifying clients with Fire, Office Contents or Buildings Combined cover. It is available in Cape Town, Johannesburg, Tshwane, Ekurhuleni, Durban, Mangaung, Nelson Mandela Bay and Buffalo City. Services outside these metropolitan areas are available at the client’s own cost. Terms, conditions and exclusions apply.
[3] Cash back is an optional benefit available at an additional cost. Cover and Cash back Terms & Conditions online. The figures above are based on Cash Back received by all Auto and General customers, derived from system reports and verified by the TIH Actuarial team. Data reflects figures as of February 2025 and may vary slightly due to reporting processes.