What is commercial business insurance, and why do I need it?

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.

Can I insure more than one business?

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.

How do I determine the right cover for my business?

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.

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Business Insurance

Business Assistance benefits automatically included

Earn Cash Back if you're claim free

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Average Customer Rating: 4.22

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&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.

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Biz Assist will help your business grow

We’re committed to your business success. Our Body Corporate Insurance offers Business Assist benefits at no extra cost to ensure your business runs smoothly. From property emergencies to IT support and digital growth, these are just a few examples of what's included.

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Get Cash back for your Business

Add the optional Cash Back Bonus to your A&G Insurance policy to start earning rewards

Cash Back Plus rewards you for:

✓ Remaining claim-free for four uninterrupted years
✓ The pay-out you'll receive will either be your entire first year's premiums or up to 25% of all your premiums paid over
those four years, whichever is the lesser.

+32 492

customers received their Cash Back Bonus over the last 5 years

+R260 mil

customers received their Cash Back Bonus over the last 5 years

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*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&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.